{
  "canonical_url": "https://lendb.ai/lo/kristin-carroll-209674",
  "loan_officer": {
    "nmls_id": 209674,
    "slug": "kristin-carroll-209674",
    "canonical_url": "https://lendb.ai/lo/kristin-carroll-209674",
    "md_url": "https://lendb.ai/lo/kristin-carroll-209674.md",
    "json_url": "https://lendb.ai/lo/kristin-carroll-209674.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/209674",
    "full_name": {
      "value": "Kristin Carroll",
      "source": "state_regulator",
      "source_url": "https://www.sentemortgage.com/mortgage-banker/kristin-carroll/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Kristin",
    "last_name": "Carroll",
    "headshot_url": null,
    "bio": null,
    "title": {
      "value": "Mortgage Banker",
      "source": "state_regulator",
      "source_url": "https://www.sentemortgage.com/mortgage-banker/kristin-carroll/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://www.sentemortgage.com/mortgage-banker/kristin-carroll/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 30,
      "source": "lender_site",
      "source_url": "https://www.sentemortgage.com/mortgage-banker/kristin-carroll/",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 50,
    "current_employment": {
      "lender_nmls_id": 132111,
      "lender_name": "Sente Mortgage, Inc.",
      "lender_slug": "sente-mortgage-inc-132111",
      "branch_city": "Austin",
      "branch_state": "TX",
      "branch_zip": "78756",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.sentemortgage.com/mortgage-banker/kristin-carroll/",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://www.sentemortgage.com/mortgage-banker/kristin-carroll/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 132111,
        "lender_name": "Sente Mortgage, Inc.",
        "lender_slug": "sente-mortgage-inc-132111",
        "branch_city": "Austin",
        "branch_state": "TX",
        "branch_zip": "78756",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.sentemortgage.com/mortgage-banker/kristin-carroll/",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://www.sentemortgage.com/mortgage-banker/kristin-carroll/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2010-09-27",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "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": "30",
        "source": "lender_site",
        "source_url": "https://www.sentemortgage.com/mortgage-banker/kristin-carroll/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "role",
        "value": "Founder and lead mortgage banker, The Carroll Team",
        "source": "lender_site",
        "source_url": "https://www.sentemortgage.com/mortgage-banker/kristin-carroll/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "role",
        "value": "President of the Austin Mortgage Bankers Association in 1989",
        "source": "lender_site",
        "source_url": "https://www.sentemortgage.com/mortgage-banker/kristin-carroll/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "Joined Milestone Mortgage team in 2000, which ultimately founded Sente",
        "source": "lender_site",
        "source_url": "https://www.sentemortgage.com/mortgage-banker/kristin-carroll/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "credential",
        "value": "Five Star Mortgage Professional",
        "source": "lender_site",
        "source_url": "https://www.sentemortgage.com/mortgage-banker/kristin-carroll/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "credential",
        "value": "2017 Sente Top Producer Award",
        "source": "lender_site",
        "source_url": "https://www.sentemortgage.com/mortgage-banker/kristin-carroll/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "education",
        "value": "University of Texas at Austin",
        "source": "lender_site",
        "source_url": "https://www.sentemortgage.com/mortgage-banker/kristin-carroll/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "service_area",
        "value": "Central Texas",
        "source": "lender_site",
        "source_url": "https://www.sentemortgage.com/mortgage-banker/kristin-carroll/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 18:09:10.364081+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/kristin-carroll-209674#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.sentemortgage.com/mortgage-banker/kristin-carroll/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2010-09-27",
      "state": "TX"
    },
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      "year": 2010,
      "state": "TX"
    },
    "federal_registration": null
  }
}