{
  "canonical_url": "https://lendb.ai/lo/josh-kilty-277851",
  "loan_officer": {
    "nmls_id": 277851,
    "slug": "josh-kilty-277851",
    "canonical_url": "https://lendb.ai/lo/josh-kilty-277851",
    "md_url": "https://lendb.ai/lo/josh-kilty-277851.md",
    "json_url": "https://lendb.ai/lo/josh-kilty-277851.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/277851",
    "full_name": {
      "value": "Josh Kilty",
      "source": "lender_site",
      "source_url": "https://www.fairway.com/lo/josh-kilty-277851",
      "verified_at": "2026-10-09"
    },
    "first_name": "Josh",
    "last_name": "Kilty",
    "headshot_url": {
      "value": "https://img.fairway.com/images/head_shot/josh-kilty-277851.png?fwy_Id=06d04c6a-f988-452c-aff5-790a95a05fa8",
      "source": "lender_site",
      "source_url": "https://www.fairway.com/lo/josh-kilty-277851",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Josh Kilty has been in the mortgage industry since 1998, specializing in complex financing including troubled credit, first-time homebuyers, and VA loans for disabled veterans.",
      "source": "lender_site",
      "source_url": "https://www.fairway.com/lo/josh-kilty-277851",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Branch Manager/SVP Reverse Lending",
      "source": "lender_site",
      "source_url": "https://www.fairway.com/lo/josh-kilty-277851",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.fairway.com/lo/josh-kilty-277851",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 2289,
      "lender_name": "Fairway Independent Mortgage Corporation",
      "lender_slug": "fairway-independent-mortgage-2289",
      "branch_city": "Marshfield",
      "branch_state": "WI",
      "branch_zip": "54449",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.fairway.com/lo/josh-kilty-277851",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.fairway.com/lo/josh-kilty-277851",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2289,
        "lender_name": "Fairway Independent Mortgage Corporation",
        "lender_slug": "fairway-independent-mortgage-2289",
        "branch_city": "Marshfield",
        "branch_state": "WI",
        "branch_zip": "54449",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.fairway.com/lo/josh-kilty-277851",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/josh-kilty-277851",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "IN",
        "license_type": "state_license",
        "license_number": "65618",
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/josh-kilty-277851",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "MI",
        "license_type": "state_license",
        "license_number": "277851",
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/josh-kilty-277851",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "MN",
        "license_type": "state_license",
        "license_number": "MN-MLO-277851",
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/josh-kilty-277851",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "13781",
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/josh-kilty-277851",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/josh-kilty-277851",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/josh-kilty-277851",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/josh-kilty-277851",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 1998",
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/josh-kilty-277851",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 20:21:28.964236+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/josh-kilty-277851#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.fairway.com/lo/josh-kilty-277851",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": null
  }
}