{
  "canonical_url": "https://lendb.ai/lo/nate-smith-269067",
  "loan_officer": {
    "nmls_id": 269067,
    "slug": "nate-smith-269067",
    "canonical_url": "https://lendb.ai/lo/nate-smith-269067",
    "md_url": "https://lendb.ai/lo/nate-smith-269067.md",
    "json_url": "https://lendb.ai/lo/nate-smith-269067.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/269067",
    "full_name": {
      "value": "Nate Smith",
      "source": "lender_site",
      "source_url": "https://townebankmortgage.com/officers/nate-smith/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Nate",
    "last_name": "Smith",
    "headshot_url": {
      "value": "https://townebankmortgage.com/getattachment/4e58c658-0649-4d6a-9549-344b79c09c78/Smith_Nate_Web-2.jpg?lang=en-US&ext=.jpg",
      "source": "lender_site",
      "source_url": "https://townebankmortgage.com/officers/nate-smith/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Nate has 25+ years of mortgage experience serving Richmond-area borrowers. He specializes in educating clients through the entire process and caters to first-time homebuyers and experienced investors alike.",
      "source": "lender_site",
      "source_url": "https://townebankmortgage.com/officers/nate-smith/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Sales Manager | Central Virginia Region",
      "source": "lender_site",
      "source_url": "https://townebankmortgage.com/officers/nate-smith/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://townebankmortgage.com/officers/nate-smith/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 512138,
      "lender_name": "TowneBank Mortgage",
      "lender_slug": "townebank-mortgage-512138",
      "branch_city": "Glen Allen",
      "branch_state": "VA",
      "branch_zip": "23060",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://townebankmortgage.com/officers/nate-smith/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://townebankmortgage.com/officers/nate-smith/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 512138,
        "lender_name": "TowneBank Mortgage",
        "lender_slug": "townebank-mortgage-512138",
        "branch_city": "Glen Allen",
        "branch_state": "VA",
        "branch_zip": "23060",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://townebankmortgage.com/officers/nate-smith/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://townebankmortgage.com/officers/nate-smith/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/nate-smith-b3061a5/",
        "source": "lender_site",
        "source_url": "https://townebankmortgage.com/officers/nate-smith/",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "25+",
        "source": "lender_site",
        "source_url": "https://townebankmortgage.com/officers/nate-smith/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Richmond area",
        "source": "lender_site",
        "source_url": "https://townebankmortgage.com/officers/nate-smith/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Richmond Mortgage Bankers Association board member for 7 years (Treasurer, Vice President, President); Virginia Mortgage Bankers Association board member holding positions of Treasurer, Vice President",
        "source": "lender_site",
        "source_url": "https://townebankmortgage.com/officers/nate-smith/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 06:56:56.095348+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/nate-smith-269067#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://townebankmortgage.com/officers/nate-smith/",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}