{
  "canonical_url": "https://lendb.ai/lo/paul-howarth-354915",
  "loan_officer": {
    "nmls_id": 354915,
    "slug": "paul-howarth-354915",
    "canonical_url": "https://lendb.ai/lo/paul-howarth-354915",
    "md_url": "https://lendb.ai/lo/paul-howarth-354915.md",
    "json_url": "https://lendb.ai/lo/paul-howarth-354915.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/354915",
    "full_name": {
      "value": "Paul Howarth",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/paul-howarth-354915",
      "verified_at": "2026-10-09"
    },
    "first_name": "Paul",
    "last_name": "Howarth",
    "headshot_url": {
      "value": "https://lh3.googleusercontent.com/HI_heDKxtfVWDM94llKrRLqRDSG33D30GxOraLFF9sNjLuiOzq450lNytI7y0WKICRQxAbiQ7yR8J3bKRliQ143b-CRJvBSjB9zL",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/paul-howarth-354915",
      "verified_at": "2026-10-09"
    },
    "bio": null,
    "title": {
      "value": "Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/paul-howarth-354915",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/paul-howarth-354915",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 9,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 40,
    "current_employment": {
      "lender_nmls_id": 320841,
      "lender_name": "Loan Factory",
      "lender_slug": "loan-factory-320841",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/paul-howarth-354915",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/paul-howarth-354915",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 320841,
        "lender_name": "Loan Factory",
        "lender_slug": "loan-factory-320841",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/paul-howarth-354915",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/paul-howarth-354915",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO41208",
        "status": "active",
        "issued_at": "2017-03-15",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/paul-howarth-354915",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "MN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/paul-howarth-354915",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "MO",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/paul-howarth-354915",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/paul-howarth-354915",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 05:36:49.453995+00",
    "disciplinary_check": "not_checked",
    "gated_contact": null,
    "licensed_since": {
      "year": 2017,
      "state": "FL"
    },
    "federal_registration": null
  }
}