{
  "canonical_url": "https://lendb.ai/lo/justin-phelps-2126568",
  "loan_officer": {
    "nmls_id": 2126568,
    "slug": "justin-phelps-2126568",
    "canonical_url": "https://lendb.ai/lo/justin-phelps-2126568",
    "md_url": "https://lendb.ai/lo/justin-phelps-2126568.md",
    "json_url": "https://lendb.ai/lo/justin-phelps-2126568.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2126568",
    "full_name": {
      "value": "Justin Phelps",
      "source": "lender_site",
      "source_url": "https://homeloanhaus.com/justin-phelps/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Justin",
    "last_name": "Phelps",
    "headshot_url": {
      "value": "https://i0.wp.com/homeloanhaus.com/wp-content/uploads/2025/03/Justin-Phelps-modified-1.png?fit=463%2C463&ssl=1",
      "source": "lender_site",
      "source_url": "https://homeloanhaus.com/justin-phelps/",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": null,
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://homeloanhaus.com/justin-phelps/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 2516874,
      "lender_name": "Loan Haus LLC",
      "lender_slug": "loan-haus-llc-2516874",
      "branch_city": "Arvada",
      "branch_state": "CO",
      "branch_zip": "80002",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://homeloanhaus.com/justin-phelps/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://homeloanhaus.com/justin-phelps/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2516874,
        "lender_name": "Loan Haus LLC",
        "lender_slug": "loan-haus-llc-2516874",
        "branch_city": "Arvada",
        "branch_state": "CO",
        "branch_zip": "80002",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://homeloanhaus.com/justin-phelps/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://homeloanhaus.com/justin-phelps/",
        "verified_at": "2026-10-15"
      },
      {
        "lender_nmls_id": 1216108,
        "lender_name": "Zero Point Mortgage Services",
        "lender_slug": "zero-point-mortgage-services-1216108",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": "2026-10-15",
        "lender_profile_url": "https://www.zpmloans.com/ZPM-Officers/justin-phelps",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.zpmloans.com/ZPM-Officers/justin-phelps",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO106402",
        "status": "expired",
        "issued_at": "2022-04-21",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed"
      },
      {
        "state": "AZ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.zpmloans.com/ZPM-Officers/justin-phelps",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.zpmloans.com/ZPM-Officers/justin-phelps",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.zpmloans.com/ZPM-Officers/justin-phelps",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "NM",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.zpmloans.com/ZPM-Officers/justin-phelps",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.zpmloans.com/ZPM-Officers/justin-phelps",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.zpmloans.com/ZPM-Officers/justin-phelps",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "WA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.zpmloans.com/ZPM-Officers/justin-phelps",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 18:45:37.974238+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/justin-phelps-2126568#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://homeloanhaus.com/justin-phelps/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2022-04-21",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2022,
      "state": "FL"
    },
    "federal_registration": null
  }
}