{
  "canonical_url": "https://lendb.ai/lo/julie-yarbrough-288648",
  "loan_officer": {
    "nmls_id": 288648,
    "slug": "julie-yarbrough-288648",
    "canonical_url": "https://lendb.ai/lo/julie-yarbrough-288648",
    "md_url": "https://lendb.ai/lo/julie-yarbrough-288648.md",
    "json_url": "https://lendb.ai/lo/julie-yarbrough-288648.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/288648",
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      "value": "Julie Yarbrough",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/Julie",
      "verified_at": "2026-10-09"
    },
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    "last_name": "Yarbrough",
    "headshot_url": {
      "value": "https://v5.airtableusercontent.com/v3/u/58/58/1791554400000/mIhSx8EdKoxQrWCxGGQ8ow/lusMn8gRXGjBK1f0uSHEDwICxUleHdfiqBaIzARoECqU0I_8F0Istbb8R9fQseMwxmBw50CAmSg59qTb8Ae40N-QADXxPDnkuWEUW6f131sfwQcoqrSwiVBd-3qD4xFF3ZdnPus9H1sd1AwDhpa-sQ/hMkYn3k2oA_4akLNoow_x0zeM6AARLAF8pnD-O9x4Co",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/Julie",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Julie is a mortgage industry veteran starting in 1989 with 35+ years of experience spanning loan origination, banking, and operations management. She co-founded Empire Home Loans focusing on people development and female empowerment in the industry.",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/Julie",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Founding Partner",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/Julie",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/Julie",
      "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": "Empire Home Loans",
      "lender_slug": "empire-home-loans-1839243",
      "branch_city": "Fair Oaks",
      "branch_state": "CA",
      "branch_zip": "95628",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.empirehomeloans.com/team/Julie",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/Julie",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1839243,
        "lender_name": "Empire Home Loans",
        "lender_slug": "empire-home-loans-1839243",
        "branch_city": "Fair Oaks",
        "branch_state": "CA",
        "branch_zip": "95628",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.empirehomeloans.com/team/Julie",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/Julie",
        "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.empirehomeloans.com/team/Julie",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
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        "value": "since 1989",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/Julie",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Co-founder and Founding Partner of Empire Home Loans, Inc.",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/Julie",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "President of mortgage division at Five Star Bank",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/Julie",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Founder of Gateway Capital mortgage brokerage",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/Julie",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Graduate of National Speakers Association (NSA) leadership courses",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/Julie",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Graduate with distinction from Future Leaders, CMBA (Pepperdine University)",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/Julie",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "PR Chairperson of Sacramento CAMP Board for 7 years",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/Julie",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 09:57:29.515803+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/julie-yarbrough-288648#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.empirehomeloans.com/team/Julie",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}