{
  "canonical_url": "https://lendb.ai/lo/mary-gardner-218976",
  "loan_officer": {
    "nmls_id": 218976,
    "slug": "mary-gardner-218976",
    "canonical_url": "https://lendb.ai/lo/mary-gardner-218976",
    "md_url": "https://lendb.ai/lo/mary-gardner-218976.md",
    "json_url": "https://lendb.ai/lo/mary-gardner-218976.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/218976",
    "full_name": {
      "value": "Mary Gardner",
      "source": "lender_site",
      "source_url": "https://homeownersfg.com/marygardner/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Mary",
    "last_name": "Gardner",
    "headshot_url": {
      "value": "https://homeownersfg.com/wp-content/uploads/Mary-Gardner-2020.jpg",
      "source": "lender_site",
      "source_url": "https://homeownersfg.com/marygardner/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Mary has been a mortgage professional since 2001 with a focus on transparent, customer-centered loan processes. She is a proud veteran who served as an active duty Air Force officer.",
      "source": "lender_site",
      "source_url": "https://homeownersfg.com/marygardner/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Licensed Mortgage Professional",
      "source": "lender_site",
      "source_url": "https://homeownersfg.com/marygardner/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://homeownersfg.com/marygardner/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 93718,
      "lender_name": "Homeowners Financial Group",
      "lender_slug": "homeowners-financial-group-93718",
      "branch_city": "Scottsdale",
      "branch_state": "AZ",
      "branch_zip": "85251",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://homeownersfg.com/marygardner/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://homeownersfg.com/marygardner/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 93718,
        "lender_name": "Homeowners Financial Group",
        "lender_slug": "homeowners-financial-group-93718",
        "branch_city": "Scottsdale",
        "branch_state": "AZ",
        "branch_zip": "85251",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://homeownersfg.com/marygardner/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://homeownersfg.com/marygardner/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "AZ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://homeownersfg.com/marygardner/",
        "verified_at": "2026-10-09",
        "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://homeownersfg.com/marygardner/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": "100516992",
        "status": "active",
        "issued_at": "2020-03-19",
        "source": "state_regulator",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=246837&contact=467116",
        "verified_at": "2026-10-10",
        "confidence": "confirmed"
      },
      {
        "state": "MI",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://homeownersfg.com/marygardner/",
        "verified_at": "2026-10-09",
        "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://homeownersfg.com/marygardner/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/nmls218976mary-gardner-97071142/",
        "source": "lender_site",
        "source_url": "https://homeownersfg.com/marygardner/",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [
      {
        "kind": "video_intro",
        "summary": "Mary has a short recorded video intro on Homeowners Financial Group's site.",
        "listen_url": "https://homeownersfg.com/marygardner/",
        "duration_seconds": null,
        "source": "lender_site",
        "source_url": "https://homeownersfg.com/marygardner/",
        "verified_at": "2026-10-09"
      }
    ],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 2001",
        "source": "lender_site",
        "source_url": "https://homeownersfg.com/marygardner/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "Bachelors Degree in Psychology from University of Michigan, graduated with honors",
        "source": "lender_site",
        "source_url": "https://homeownersfg.com/marygardner/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Two Air Force Achievement Medals and a Commendation Medal for meritorious service",
        "source": "lender_site",
        "source_url": "https://homeownersfg.com/marygardner/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Active duty Air Force officer, 2nd Lieutenant",
        "source": "lender_site",
        "source_url": "https://homeownersfg.com/marygardner/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 08:06:37.458717+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/mary-gardner-218976#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://homeownersfg.com/marygardner/",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": {
      "date": "2020-03-19",
      "state": "CO"
    },
    "licensed_since": {
      "year": 2020,
      "state": "CO"
    },
    "federal_registration": null
  }
}