{
  "canonical_url": "https://lendb.ai/lo/carmela-townsend-284750",
  "loan_officer": {
    "nmls_id": 284750,
    "slug": "carmela-townsend-284750",
    "canonical_url": "https://lendb.ai/lo/carmela-townsend-284750",
    "md_url": "https://lendb.ai/lo/carmela-townsend-284750.md",
    "json_url": "https://lendb.ai/lo/carmela-townsend-284750.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/284750",
    "full_name": {
      "value": "Carmela Townsend",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/carmela-townsend-284750",
      "verified_at": "2026-10-15"
    },
    "first_name": "Carmela",
    "last_name": "Townsend",
    "headshot_url": {
      "value": "https://a.mktgcdn.com/p/hVODfJM3fyjtHaZtTGm0t34uODyOiERtIBOWGn8nRHM/191x275.jpg",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/carmela-townsend-284750",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Carmela has over 30 years in mortgage lending and serves clients across Florida. Specializes in FHA, VA, Conventional, Jumbo, and Non-QM loans, and is active in Tarpon Springs-area chambers of commerce.",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/carmela-townsend-284750",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Vice President, Mortgage Lending",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/carmela-townsend-284750",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/carmela-townsend-284750",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 30,
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/carmela-townsend-284750",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 1598647,
      "lender_name": "Guaranteed Rate Affinity, LLC",
      "lender_slug": "guaranteed-rate-affinity-llc-1598647",
      "branch_city": "Tampa",
      "branch_state": "FL",
      "branch_zip": "33609",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.grarate.com/loan-officers/carmela-townsend-284750",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/carmela-townsend-284750",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1598647,
        "lender_name": "Guaranteed Rate Affinity, LLC",
        "lender_slug": "guaranteed-rate-affinity-llc-1598647",
        "branch_city": "Tampa",
        "branch_state": "FL",
        "branch_zip": "33609",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.grarate.com/loan-officers/carmela-townsend-284750",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/carmela-townsend-284750",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO12649",
        "status": "active",
        "issued_at": "2011-12-09",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed"
      }
    ],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/carmela-townsend-284750",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/carmela-townsend-284750",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "non-qm",
        "label": "Non-QM loan",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/carmela-townsend-284750",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/carmela-townsend-284750",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/carmela-townsend-284750",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/carmela-townsend-284750",
        "verified_at": "2026-10-15"
      }
    ],
    "lender_offers": [],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "30",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/carmela-townsend-284750",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "service_area",
        "value": "Florida",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/carmela-townsend-284750",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "community",
        "value": "Ambassador to the Tarpon Springs Chamber of Commerce",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/carmela-townsend-284750",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "community",
        "value": "Member of the Dunedin Chamber of Commerce",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/carmela-townsend-284750",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "community",
        "value": "Member of the GFWC Women's Club of Tarpon Springs and Power Gals",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/carmela-townsend-284750",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 15:45:45.876635+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/carmela-townsend-284750#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.grarate.com/loan-officers/carmela-townsend-284750",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2011-12-09",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2011,
      "state": "FL"
    },
    "federal_registration": null
  }
}