{
  "canonical_url": "https://lendb.ai/lo/pat-fox-199779",
  "loan_officer": {
    "nmls_id": 199779,
    "slug": "pat-fox-199779",
    "canonical_url": "https://lendb.ai/lo/pat-fox-199779",
    "md_url": "https://lendb.ai/lo/pat-fox-199779.md",
    "json_url": "https://lendb.ai/lo/pat-fox-199779.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/199779",
    "full_name": {
      "value": "Pat Fox",
      "source": "lender_site",
      "source_url": "https://www.uhm.com/loan-officers/pat-fox/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Pat",
    "last_name": "Fox",
    "headshot_url": {
      "value": "https://www.uhm.com/media/3393/pat-fox-website.png",
      "source": "lender_site",
      "source_url": "https://www.uhm.com/loan-officers/pat-fox/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Pat Fox has 17 years of mortgage industry experience, with a focus on first-time homebuyers, vacation property buyers, and real estate investors. A Ten-Year Five Star Award recipient in Portland, he specializes in loan structuring, credit improvement, and problem-solving across Oregon, Washington, California, Texas, Arizona, and Montana.",
      "source": "lender_site",
      "source_url": "https://www.uhm.com/loan-officers/pat-fox/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Producing Area Sales Manager",
      "source": "lender_site",
      "source_url": "https://www.uhm.com/loan-officers/pat-fox/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.uhm.com/loan-officers/pat-fox/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 17,
      "source": "lender_site",
      "source_url": "https://www.uhm.com/loan-officers/pat-fox/",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 2229,
      "lender_name": "Union Home Mortgage",
      "lender_slug": "union-home-mortgage-2229",
      "branch_city": "Tigard",
      "branch_state": "OR",
      "branch_zip": "97223",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.uhm.com/loan-officers/pat-fox/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.uhm.com/loan-officers/pat-fox/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2229,
        "lender_name": "Union Home Mortgage",
        "lender_slug": "union-home-mortgage-2229",
        "branch_city": "Tigard",
        "branch_state": "OR",
        "branch_zip": "97223",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.uhm.com/loan-officers/pat-fox/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/pat-fox/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "AZ",
        "license_type": "state_license",
        "license_number": "1018345",
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/pat-fox/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DBO199779",
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/pat-fox/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "MT",
        "license_type": "state_license",
        "license_number": "199779",
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/pat-fox/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": "199779",
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/pat-fox/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": "199779",
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/pat-fox/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "WA",
        "license_type": "state_license",
        "license_number": "MLO-199779",
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/pat-fox/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/pat-fox/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/pat-fox/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "vacation-home",
        "label": "Vacation home",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/pat-fox/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "17",
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/pat-fox/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Ten-Year Five Star Award recipient in Portland, Oregon market",
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/pat-fox/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Multiple presidential awards as a top producer",
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/pat-fox/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Led and managed the Northwest region for several mortgage companies",
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/pat-fox/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Serves clients across 48 continental states, licensed in OR, WA, CA, TX, AZ, MT",
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/pat-fox/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 02:02:19.814033+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/pat-fox-199779#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.uhm.com/loan-officers/pat-fox/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": null
  }
}