{
  "canonical_url": "https://lendb.ai/lo/melissa-carson-278308",
  "loan_officer": {
    "nmls_id": 278308,
    "slug": "melissa-carson-278308",
    "canonical_url": "https://lendb.ai/lo/melissa-carson-278308",
    "md_url": "https://lendb.ai/lo/melissa-carson-278308.md",
    "json_url": "https://lendb.ai/lo/melissa-carson-278308.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/278308",
    "full_name": {
      "value": "Melissa Carson",
      "source": "lender_site",
      "source_url": "https://www.apmortgage.com/melissa-carson",
      "verified_at": "2026-10-09"
    },
    "first_name": "Melissa",
    "last_name": "Carson",
    "headshot_url": null,
    "bio": {
      "value": "Melissa started her mortgage career in 2005 and has worked for large banks, community banks, brokers, and direct lenders. She was born and raised in the Sacramento/Carmichael area and now raises her family in Fair Oaks.",
      "source": "lender_site",
      "source_url": "https://www.apmortgage.com/melissa-carson",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Branch Manager",
      "source": "lender_site",
      "source_url": "https://www.apmortgage.com/melissa-carson",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.apmortgage.com/melissa-carson",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 1850,
      "lender_name": "American Pacific Mortgage",
      "lender_slug": "american-pacific-mortgage-1850",
      "branch_city": "El Dorado Hills",
      "branch_state": "CA",
      "branch_zip": "95762",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.apmortgage.com/melissa-carson",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.apmortgage.com/melissa-carson",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1850,
        "lender_name": "American Pacific Mortgage",
        "lender_slug": "american-pacific-mortgage-1850",
        "branch_city": "El Dorado Hills",
        "branch_state": "CA",
        "branch_zip": "95762",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.apmortgage.com/melissa-carson",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/melissa-carson",
        "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.apmortgage.com/melissa-carson",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "CT",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/melissa-carson",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 2005",
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/melissa-carson",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "A.A. degree from American River College",
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/melissa-carson",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Sacramento/Carmichael area, Fair Oaks",
        "source": "lender_site",
        "source_url": "https://www.apmortgage.com/melissa-carson",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 03:51:17.72025+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/melissa-carson-278308#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.apmortgage.com/melissa-carson",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": null
  }
}