{
  "canonical_url": "https://lendb.ai/lo/michelle-westbrook-1973185",
  "loan_officer": {
    "nmls_id": 1973185,
    "slug": "michelle-westbrook-1973185",
    "canonical_url": "https://lendb.ai/lo/michelle-westbrook-1973185",
    "md_url": "https://lendb.ai/lo/michelle-westbrook-1973185.md",
    "json_url": "https://lendb.ai/lo/michelle-westbrook-1973185.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1973185",
    "full_name": {
      "value": "Michelle Westbrook",
      "source": "lender_site",
      "source_url": "https://killeen.veteransunited.com/lo/michelle-westbrook/",
      "verified_at": "2026-10-11"
    },
    "first_name": "Michelle",
    "last_name": "Westbrook",
    "headshot_url": {
      "value": "https://www.veteransunited.com/assets/craft/images/loanofficers/michelle-westbrook/Michelle-Headshot-NEW.jpg",
      "source": "lender_site",
      "source_url": "https://killeen.veteransunited.com/lo/michelle-westbrook/",
      "verified_at": "2026-10-11"
    },
    "bio": {
      "value": "Michelle Westbrook has been in the financial industry since 2013 and focuses mainly on the Temple to Killeen area of Texas. Michelle is especially passionate about helping minority communities reach homeownership.",
      "source": "lender_site",
      "source_url": "https://killeen.veteransunited.com/lo/michelle-westbrook/",
      "verified_at": "2026-10-11"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://killeen.veteransunited.com/lo/michelle-westbrook/",
      "verified_at": "2026-10-11"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://killeen.veteransunited.com/lo/michelle-westbrook/",
      "verified_at": "2026-10-11"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 1907,
      "lender_name": "Veterans United Home Loans",
      "lender_slug": "veterans-united-home-loans-1907",
      "branch_city": "Killeen",
      "branch_state": "TX",
      "branch_zip": "76549",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://killeen.veteransunited.com/lo/michelle-westbrook/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://killeen.veteransunited.com/lo/michelle-westbrook/",
      "verified_at": "2026-10-11"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1907,
        "lender_name": "Veterans United Home Loans",
        "lender_slug": "veterans-united-home-loans-1907",
        "branch_city": "Killeen",
        "branch_state": "TX",
        "branch_zip": "76549",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://killeen.veteransunited.com/lo/michelle-westbrook/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://killeen.veteransunited.com/lo/michelle-westbrook/",
        "verified_at": "2026-10-11"
      }
    ],
    "licenses": [
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2021-05-27",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "lender_offers": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "lender_nmls_id": 1907,
        "lender_name": "Veterans United Home Loans",
        "source": "lender_site",
        "source_url": "https://www.veteransunited.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "lender_nmls_id": 1907,
        "lender_name": "Veterans United Home Loans",
        "source": "lender_site",
        "source_url": "https://www.veteransunited.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "lender_nmls_id": 1907,
        "lender_name": "Veterans United Home Loans",
        "source": "lender_site",
        "source_url": "https://www.veteransunited.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "lender_nmls_id": 1907,
        "lender_name": "Veterans United Home Loans",
        "source": "lender_site",
        "source_url": "https://www.veteransunited.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "lender_nmls_id": 1907,
        "lender_name": "Veterans United Home Loans",
        "source": "lender_site",
        "source_url": "https://www.veteransunited.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "lender_nmls_id": 1907,
        "lender_name": "Veterans United Home Loans",
        "source": "lender_site",
        "source_url": "https://www.veteransunited.com",
        "verified_at": "2026-10-10"
      }
    ],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 2013",
        "source": "lender_site",
        "source_url": "https://killeen.veteransunited.com/lo/michelle-westbrook/",
        "verified_at": "2026-10-11"
      },
      {
        "kind": "service_area",
        "value": "Temple to Killeen, Texas",
        "source": "lender_site",
        "source_url": "https://killeen.veteransunited.com/lo/michelle-westbrook/",
        "verified_at": "2026-10-11"
      },
      {
        "kind": "service_area",
        "value": "Texas",
        "source": "lender_site",
        "source_url": "https://killeen.veteransunited.com/lo/michelle-westbrook/",
        "verified_at": "2026-10-11"
      },
      {
        "kind": "community",
        "value": "Works to assist minority communities on their path to homeownership",
        "source": "lender_site",
        "source_url": "https://killeen.veteransunited.com/lo/michelle-westbrook/",
        "verified_at": "2026-10-11"
      }
    ],
    "last_verified_at": "2026-10-13",
    "updated_at": "2026-10-13 15:28:16.208057+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/michelle-westbrook-1973185#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://killeen.veteransunited.com/lo/michelle-westbrook/",
      "verified_at": "2026-10-11"
    },
    "earliest_license_record": {
      "date": "2021-05-27",
      "state": "TX"
    },
    "licensed_since": {
      "year": 2021,
      "state": "TX"
    },
    "federal_registration": null
  }
}