{
  "canonical_url": "https://lendb.ai/lo/ryan-kelley-319181",
  "loan_officer": {
    "nmls_id": 319181,
    "slug": "ryan-kelley-319181",
    "canonical_url": "https://lendb.ai/lo/ryan-kelley-319181",
    "md_url": "https://lendb.ai/lo/ryan-kelley-319181.md",
    "json_url": "https://lendb.ai/lo/ryan-kelley-319181.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/319181",
    "full_name": {
      "value": "Ryan Kelley",
      "source": "lender_site",
      "source_url": "https://www.gemcorp.com/mlo/ryan-kelley",
      "verified_at": "2026-10-15"
    },
    "first_name": "Ryan",
    "last_name": "Kelley",
    "headshot_url": {
      "value": "https://cdn.prod.website-files.com/68daa1b5f5b7ed4e6ed4e031/68f0f5c1c0fcd697906adb38__7bhkQGQRJQYGGnL-yJ4pvzpI2P6lE8FgGYFoJqU5B0.jpeg",
      "source": "lender_site",
      "source_url": "https://www.gemcorp.com/mlo/ryan-kelley",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Branch Manager",
      "source": "lender_site",
      "source_url": "https://www.gemcorp.com/mlo/ryan-kelley",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.gemcorp.com/mlo/ryan-kelley",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 2427,
      "lender_name": "Golden Empire Mortgage, Inc.",
      "lender_slug": "golden-empire-mortgage-inc-2427",
      "branch_city": "Austin",
      "branch_state": "TX",
      "branch_zip": "78703",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.gemcorp.com/mlo/ryan-kelley",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.gemcorp.com/mlo/ryan-kelley",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2427,
        "lender_name": "Golden Empire Mortgage, Inc.",
        "lender_slug": "golden-empire-mortgage-inc-2427",
        "branch_city": "Austin",
        "branch_state": "TX",
        "branch_zip": "78703",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.gemcorp.com/mlo/ryan-kelley",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.gemcorp.com/mlo/ryan-kelley",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO127394",
        "status": "active",
        "issued_at": "2024-04-03",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "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": [],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 18:00:32.818393+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/ryan-kelley-319181#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.gemcorp.com/mlo/ryan-kelley",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2024-04-03",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2024,
      "state": "FL"
    },
    "federal_registration": null
  }
}