{
  "canonical_url": "https://lendb.ai/lo/thomas-gaines-1981463",
  "loan_officer": {
    "nmls_id": 1981463,
    "slug": "thomas-gaines-1981463",
    "canonical_url": "https://lendb.ai/lo/thomas-gaines-1981463",
    "md_url": "https://lendb.ai/lo/thomas-gaines-1981463.md",
    "json_url": "https://lendb.ai/lo/thomas-gaines-1981463.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1981463",
    "full_name": {
      "value": "Kevin Gaines",
      "source": "lender_site",
      "source_url": "https://www.fairway.com/lo/kevin-gaines-1981463",
      "verified_at": "2026-10-09"
    },
    "first_name": "Kevin",
    "last_name": "Gaines",
    "headshot_url": {
      "value": "https://img.fairway.com/images/head_shot/kevin-gaines-1981463.png",
      "source": "lender_site",
      "source_url": "https://www.fairway.com/lo/kevin-gaines-1981463",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Kevin has real estate industry experience since early banking days, handling construction loans, development loans, and mortgages. He brings broad expertise from building homes, developing subdivisions, and managing real estate services across multiple states.",
      "source": "lender_site",
      "source_url": "https://www.fairway.com/lo/kevin-gaines-1981463",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.fairway.com/lo/kevin-gaines-1981463",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.fairway.com/lo/kevin-gaines-1981463",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 2,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 2289,
      "lender_name": "Fairway Independent Mortgage Corporation",
      "lender_slug": "fairway-independent-mortgage-2289",
      "branch_city": "Duluth",
      "branch_state": "GA",
      "branch_zip": "30097",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.fairway.com/lo/kevin-gaines-1981463",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.fairway.com/lo/kevin-gaines-1981463",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2289,
        "lender_name": "Fairway Independent Mortgage Corporation",
        "lender_slug": "fairway-independent-mortgage-2289",
        "branch_city": "Duluth",
        "branch_state": "GA",
        "branch_zip": "30097",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.fairway.com/lo/kevin-gaines-1981463",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/kevin-gaines-1981463",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO125349",
        "status": "active",
        "issued_at": "2024-01-16",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "AL",
        "license_type": "state_license",
        "license_number": "1981463",
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/kevin-gaines-1981463",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "NC",
        "license_type": "state_license",
        "license_number": "I-211954",
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/kevin-gaines-1981463",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "SC",
        "license_type": "state_license",
        "license_number": "MLO - 1981463",
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/kevin-gaines-1981463",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "construction",
        "label": "Construction loan",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/kevin-gaines-1981463",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "education",
        "value": "Georgia State University degree in marketing",
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/kevin-gaines-1981463",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Built homes, developed subdivisions, led teams in corporate real estate",
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/kevin-gaines-1981463",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Metro Atlanta market; managed services across multiple states",
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/kevin-gaines-1981463",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Served with United Way, Habitat for Humanity, Feed My Starving Children, and church teams; president of Grayson Athletic Association and Grayson Touchdown Club; youth coach",
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/kevin-gaines-1981463",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 19:20:42.775025+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/thomas-gaines-1981463#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://www.fairway.com/lo/kevin-gaines-1981463",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2024,
      "state": "FL"
    },
    "federal_registration": null
  }
}