{
  "canonical_url": "https://lendb.ai/lo/ross-flaharty-2793889",
  "loan_officer": {
    "nmls_id": 2793889,
    "slug": "ross-flaharty-2793889",
    "canonical_url": "https://lendb.ai/lo/ross-flaharty-2793889",
    "md_url": "https://lendb.ai/lo/ross-flaharty-2793889.md",
    "json_url": "https://lendb.ai/lo/ross-flaharty-2793889.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2793889",
    "full_name": {
      "value": "Ross Flaharty",
      "source": "lender_site",
      "source_url": "https://www.pennymac.com/find-loan-officer/ross-flaharty",
      "verified_at": "2026-10-09"
    },
    "first_name": "Ross",
    "last_name": "Flaharty",
    "headshot_url": {
      "value": "https://www.pennymac.com/assets/images/find-loan-officer/headshots/ross-flaharty.jpg",
      "source": "lender_site",
      "source_url": "https://www.pennymac.com/find-loan-officer/ross-flaharty",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Ross brings a multidisciplinary foundation from Trinity College and a global perspective from the University of NSW in Sydney, which provides analytical expertise to advocate for homebuyers in their largest financial transaction.",
      "source": "lender_site",
      "source_url": "https://www.pennymac.com/find-loan-officer/ross-flaharty",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Purchase Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.pennymac.com/find-loan-officer/ross-flaharty",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.pennymac.com/find-loan-officer/ross-flaharty",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 0,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 35953,
      "lender_name": "Pennymac",
      "lender_slug": "pennymac-35953",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.pennymac.com/find-loan-officer/ross-flaharty",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.pennymac.com/find-loan-officer/ross-flaharty",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 35953,
        "lender_name": "Pennymac",
        "lender_slug": "pennymac-35953",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.pennymac.com/find-loan-officer/ross-flaharty",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.pennymac.com/find-loan-officer/ross-flaharty",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO145049",
        "status": "active",
        "issued_at": "2026-02-13",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "education",
        "value": "Trinity College",
        "source": "lender_site",
        "source_url": "https://www.pennymac.com/find-loan-officer/ross-flaharty",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "University of NSW in Sydney",
        "source": "lender_site",
        "source_url": "https://www.pennymac.com/find-loan-officer/ross-flaharty",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 02:49:30.583093+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/ross-flaharty-2793889#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.pennymac.com/find-loan-officer/ross-flaharty",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2026,
      "state": "FL"
    },
    "federal_registration": null
  }
}