{
  "canonical_url": "https://lendb.ai/lo/chloe-phannenstiel-2123399",
  "loan_officer": {
    "nmls_id": 2123399,
    "slug": "chloe-phannenstiel-2123399",
    "canonical_url": "https://lendb.ai/lo/chloe-phannenstiel-2123399",
    "md_url": "https://lendb.ai/lo/chloe-phannenstiel-2123399.md",
    "json_url": "https://lendb.ai/lo/chloe-phannenstiel-2123399.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2123399",
    "full_name": {
      "value": "Chloe Phannenstiel",
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/chloe-phannenstiel",
      "verified_at": "2026-10-09"
    },
    "first_name": "Chloe",
    "last_name": "Phannenstiel",
    "headshot_url": {
      "value": "https://xperthomelending.com/hs-fs/hubfs/Headshots/Processed/Chloe-Phannenstiel.webp?width=600&name=Chloe-Phannenstiel.webp",
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/chloe-phannenstiel",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Chloe has four years of mortgage industry experience and graduated from Colorado State University with a degree in Business Finance with a Real Estate concentration. Based in Colorado, she focuses on helping local residents achieve homeownership.",
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/chloe-phannenstiel",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/chloe-phannenstiel",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/chloe-phannenstiel",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 4,
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/chloe-phannenstiel",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 75,
    "current_employment": {
      "lender_nmls_id": 2179191,
      "lender_name": "Xpert Home Lending",
      "lender_slug": "xpert-home-lending-2179191",
      "branch_city": null,
      "branch_state": "CO",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://xperthomelending.com/loan-directory/chloe-phannenstiel",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/chloe-phannenstiel",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2179191,
        "lender_name": "Xpert Home Lending",
        "lender_slug": "xpert-home-lending-2179191",
        "branch_city": null,
        "branch_state": "CO",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/chloe-phannenstiel",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/chloe-phannenstiel",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": "100533755",
        "status": "active",
        "issued_at": "2022-07-07",
        "source": "state_regulator",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=303357&contact=530371",
        "verified_at": "2026-10-10",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "4",
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/chloe-phannenstiel",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "Colorado State University, Business Finance with Real Estate concentration",
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/chloe-phannenstiel",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 10:17:58.567796+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office"
      ],
      "reveal_url": "https://lendb.ai/lo/chloe-phannenstiel-2123399#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://xperthomelending.com/loan-directory/chloe-phannenstiel",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": {
      "date": "2022-07-07",
      "state": "CO"
    },
    "licensed_since": {
      "year": 2022,
      "state": "CO"
    },
    "federal_registration": null
  }
}