{
  "canonical_url": "https://lendb.ai/lo/ivor-richards-2284932",
  "loan_officer": {
    "nmls_id": 2284932,
    "slug": "ivor-richards-2284932",
    "canonical_url": "https://lendb.ai/lo/ivor-richards-2284932",
    "md_url": "https://lendb.ai/lo/ivor-richards-2284932.md",
    "json_url": "https://lendb.ai/lo/ivor-richards-2284932.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2284932",
    "full_name": {
      "value": "Ivor Richards",
      "source": "lender_site",
      "source_url": "https://encompasslending.com/irichards/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Ivor",
    "last_name": "Richards",
    "headshot_url": null,
    "bio": null,
    "title": {
      "value": "Residential Mortgage Loan Originator",
      "source": "lender_site",
      "source_url": "https://encompasslending.com/irichards/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://encompasslending.com/irichards/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 50,
    "current_employment": {
      "lender_nmls_id": 292897,
      "lender_name": "Cornerstone First Mortgage",
      "lender_slug": "cornerstone-first-mortgage-292897",
      "branch_city": "Cary",
      "branch_state": "NC",
      "branch_zip": "27518",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://encompasslending.com/irichards/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://encompasslending.com/irichards/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 292897,
        "lender_name": "Cornerstone First Mortgage",
        "lender_slug": "cornerstone-first-mortgage-292897",
        "branch_city": "Cary",
        "branch_state": "NC",
        "branch_zip": "27518",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://encompasslending.com/irichards/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://encompasslending.com/irichards/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO111547",
        "status": "active",
        "issued_at": "2022-08-03",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "lender_offers": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "lender_nmls_id": 292897,
        "lender_name": "Cornerstone First Mortgage",
        "source": "lender_site",
        "source_url": "https://www.cornerstonefirst.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "lender_nmls_id": 292897,
        "lender_name": "Cornerstone First Mortgage",
        "source": "lender_site",
        "source_url": "https://www.cornerstonefirst.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "heloc",
        "label": "HELOC",
        "lender_nmls_id": 292897,
        "lender_name": "Cornerstone First Mortgage",
        "source": "lender_site",
        "source_url": "https://www.cornerstonefirst.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "lender_nmls_id": 292897,
        "lender_name": "Cornerstone First Mortgage",
        "source": "lender_site",
        "source_url": "https://www.cornerstonefirst.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "lender_nmls_id": 292897,
        "lender_name": "Cornerstone First Mortgage",
        "source": "lender_site",
        "source_url": "https://www.cornerstonefirst.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "low-credit",
        "label": "Low credit score",
        "lender_nmls_id": 292897,
        "lender_name": "Cornerstone First Mortgage",
        "source": "lender_site",
        "source_url": "https://www.cornerstonefirst.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "new-construction",
        "label": "New construction",
        "lender_nmls_id": 292897,
        "lender_name": "Cornerstone First Mortgage",
        "source": "lender_site",
        "source_url": "https://www.cornerstonefirst.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "lender_nmls_id": 292897,
        "lender_name": "Cornerstone First Mortgage",
        "source": "lender_site",
        "source_url": "https://www.cornerstonefirst.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "lender_nmls_id": 292897,
        "lender_name": "Cornerstone First Mortgage",
        "source": "lender_site",
        "source_url": "https://www.cornerstonefirst.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "lender_nmls_id": 292897,
        "lender_name": "Cornerstone First Mortgage",
        "source": "lender_site",
        "source_url": "https://www.cornerstonefirst.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "lender_nmls_id": 292897,
        "lender_name": "Cornerstone First Mortgage",
        "source": "lender_site",
        "source_url": "https://www.cornerstonefirst.com",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "lender_nmls_id": 292897,
        "lender_name": "Cornerstone First Mortgage",
        "source": "lender_site",
        "source_url": "https://www.cornerstonefirst.com",
        "verified_at": "2026-10-15"
      }
    ],
    "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": [],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 15:45:45.876635+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/ivor-richards-2284932#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://encompasslending.com/irichards/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2022-08-03",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2022,
      "state": "FL"
    },
    "federal_registration": null
  }
}