{
  "canonical_url": "https://lendb.ai/lo/julie-carroll-272049",
  "loan_officer": {
    "nmls_id": 272049,
    "slug": "julie-carroll-272049",
    "canonical_url": "https://lendb.ai/lo/julie-carroll-272049",
    "md_url": "https://lendb.ai/lo/julie-carroll-272049.md",
    "json_url": "https://lendb.ai/lo/julie-carroll-272049.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/272049",
    "full_name": {
      "value": "Julie Carroll",
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/JulieCarroll",
      "verified_at": "2026-10-09"
    },
    "first_name": "Julie",
    "last_name": "Carroll",
    "headshot_url": {
      "value": "https://a.ruoff.com/image/21048e4f76b5b018f77d8d520e02767d/size/600/type/fullShoulder",
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/JulieCarroll",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Julie is a Senior Loan Officer with The Carroll Team at Ruoff Mortgage serving Indiana. She works with first-time homebuyers, move-up/move-down buyers, investors, and those refinancing, with a commitment to personalized solutions and responsive communication.",
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/JulieCarroll",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Senior Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/JulieCarroll",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/JulieCarroll",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
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      "lender_name": "Ruoff Mortgage",
      "lender_slug": "ruoff-mortgage-141868",
      "branch_city": "Fort Wayne",
      "branch_state": "IN",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.ruoff.com/JulieCarroll",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/JulieCarroll",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 141868,
        "lender_name": "Ruoff Mortgage",
        "lender_slug": "ruoff-mortgage-141868",
        "branch_city": "Fort Wayne",
        "branch_state": "IN",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.ruoff.com/JulieCarroll",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/JulieCarroll",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "IN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/JulieCarroll",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/JulieCarroll",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/JulieCarroll",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/calljulie4yourmortgageneeds/",
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/JulieCarroll",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "service_area",
        "value": "Indiana, particularly Fort Wayne and Northeast Indiana",
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/JulieCarroll",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Co-owner of Crispy Cones in Fort Wayne, strengthening commitment to customer service and local community ties",
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/JulieCarroll",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "President's Club 11x Winner",
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/JulieCarroll",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "other",
        "value": "99.39% Customer Satisfaction Score",
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/JulieCarroll",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 07:34:26.249537+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office"
      ],
      "reveal_url": "https://lendb.ai/lo/julie-carroll-272049#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.ruoff.com/JulieCarroll",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}