{
  "canonical_url": "https://lendb.ai/lo/michael-mcintosh-234196",
  "loan_officer": {
    "nmls_id": 234196,
    "slug": "michael-mcintosh-234196",
    "canonical_url": "https://lendb.ai/lo/michael-mcintosh-234196",
    "md_url": "https://lendb.ai/lo/michael-mcintosh-234196.md",
    "json_url": "https://lendb.ai/lo/michael-mcintosh-234196.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/234196",
    "full_name": {
      "value": "Michael Mcintosh",
      "source": "lender_site",
      "source_url": "https://www.envoymortgage.com/mike-mcintosh/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Michael",
    "last_name": "Mcintosh",
    "headshot_url": {
      "value": "https://www.envoymortgage.com/wp-content/uploads/headshots/mike-mcintosh-1788141980.jpg",
      "source": "lender_site",
      "source_url": "https://www.envoymortgage.com/mike-mcintosh/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "37-year mortgage industry veteran focused on transparent financial strategy. Builds client relationships across generations through honest conversations and long-term financial planning.",
      "source": "lender_site",
      "source_url": "https://www.envoymortgage.com/mike-mcintosh/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Originator",
      "source": "lender_site",
      "source_url": "https://www.envoymortgage.com/mike-mcintosh/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.envoymortgage.com/mike-mcintosh/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 37,
      "source": "lender_site",
      "source_url": "https://www.envoymortgage.com/mike-mcintosh/",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 6666,
      "lender_name": "Envoy Mortgage",
      "lender_slug": "envoy-mortgage-6666",
      "branch_city": "Oak Harbor",
      "branch_state": "WA",
      "branch_zip": "98277",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.envoymortgage.com/mike-mcintosh/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.envoymortgage.com/mike-mcintosh/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 6666,
        "lender_name": "Envoy Mortgage",
        "lender_slug": "envoy-mortgage-6666",
        "branch_city": "Oak Harbor",
        "branch_state": "WA",
        "branch_zip": "98277",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.envoymortgage.com/mike-mcintosh/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.envoymortgage.com/mike-mcintosh/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.envoymortgage.com/mike-mcintosh/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "NV",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.envoymortgage.com/mike-mcintosh/",
        "verified_at": "2026-10-09",
        "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.envoymortgage.com/mike-mcintosh/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "37",
        "source": "lender_site",
        "source_url": "https://www.envoymortgage.com/mike-mcintosh/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Remote, serves CA, NV, OR",
        "source": "lender_site",
        "source_url": "https://www.envoymortgage.com/mike-mcintosh/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 09:36:41.774657+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/michael-mcintosh-234196#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://www.envoymortgage.com/mike-mcintosh/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": null
  }
}