{
  "canonical_url": "https://lendb.ai/lo/billy-stephens-2302130",
  "loan_officer": {
    "nmls_id": 2302130,
    "slug": "billy-stephens-2302130",
    "canonical_url": "https://lendb.ai/lo/billy-stephens-2302130",
    "md_url": "https://lendb.ai/lo/billy-stephens-2302130.md",
    "json_url": "https://lendb.ai/lo/billy-stephens-2302130.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2302130",
    "full_name": {
      "value": "Billy Stephens",
      "source": "lender_site",
      "source_url": "https://fhmtg.com/officers/billy-stephens/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Billy",
    "last_name": "Stephens",
    "headshot_url": {
      "value": "https://fhmtg.com/wp-content/uploads/2025/11/Billy_Stephens_500.png",
      "source": "lender_site",
      "source_url": "https://fhmtg.com/officers/billy-stephens/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Mortgage professional since January 2022 with 20 years prior experience in remodeling and construction. Built referral network through 14 years as VP at Artistic Stone Design and 6 years at plumbing/HVAC firm.",
      "source": "lender_site",
      "source_url": "https://fhmtg.com/officers/billy-stephens/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://fhmtg.com/officers/billy-stephens/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://fhmtg.com/officers/billy-stephens/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
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      "lender_name": "First Heritage Mortgage",
      "lender_slug": "first-heritage-mortgage-86548",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://fhmtg.com/officers/billy-stephens/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://fhmtg.com/officers/billy-stephens/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 86548,
        "lender_name": "First Heritage Mortgage",
        "lender_slug": "first-heritage-mortgage-86548",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://fhmtg.com/officers/billy-stephens/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/billy-stephens/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "VA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/billy-stephens/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since January 2022",
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/billy-stephens/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Sales Manager and Vice President at Artistic Stone Design for 14 years",
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/billy-stephens/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "years_experience",
        "value": "6 years at Thos. Somerville Company",
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/billy-stephens/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "years_experience",
        "value": "20 years in remodeling and construction",
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/billy-stephens/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "years_experience",
        "value": "4 years at C&F Mortgage",
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/billy-stephens/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "Virginia Commonwealth University, Business Management and Administration, 2003",
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/billy-stephens/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "Midlothian High School, 1997",
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/billy-stephens/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 07:22:47.316474+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office"
      ],
      "reveal_url": "https://lendb.ai/lo/billy-stephens-2302130#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://fhmtg.com/officers/billy-stephens/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": null
  }
}