{
  "canonical_url": "https://lendb.ai/lo/stephen-thaggard-356309",
  "loan_officer": {
    "nmls_id": 356309,
    "slug": "stephen-thaggard-356309",
    "canonical_url": "https://lendb.ai/lo/stephen-thaggard-356309",
    "md_url": "https://lendb.ai/lo/stephen-thaggard-356309.md",
    "json_url": "https://lendb.ai/lo/stephen-thaggard-356309.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/356309",
    "full_name": {
      "value": "Stephen Thaggard",
      "source": "lender_site",
      "source_url": "https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard",
      "verified_at": "2026-10-09"
    },
    "first_name": "Stephen",
    "last_name": "Thaggard",
    "headshot_url": {
      "value": "https://www.embracehomeloans.com/media/1lunlxfv/sthaggard_bio72.jpg",
      "source": "lender_site",
      "source_url": "https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "With 30+ years of mortgage lending experience, Stephen specializes in VA loans, new construction, conventional, FHA, jumbo loans, and first-time buyer programs. He serves as Producing Sales Manager and has been recognized as a member of President's Club since 2014.",
      "source": "lender_site",
      "source_url": "https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Sales Manager",
      "source": "lender_site",
      "source_url": "https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 15,
    "years_experience": {
      "value": 30,
      "source": "lender_site",
      "source_url": "https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 2184,
      "lender_name": "Embrace Home Loans",
      "lender_slug": "embrace-home-loans-2184",
      "branch_city": "Viera",
      "branch_state": "FL",
      "branch_zip": "32940",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2184,
        "lender_name": "Embrace Home Loans",
        "lender_slug": "embrace-home-loans-2184",
        "branch_city": "Viera",
        "branch_state": "FL",
        "branch_zip": "32940",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO11561",
        "status": "active",
        "issued_at": "2011-10-19",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      }
    ],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "new-construction",
        "label": "New construction",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "http://www.linkedin.com/in/mortgageperspectives",
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "30",
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Producing Sales Manager in Viera office; joined Embrace Home Loans in 2010",
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Member of President's Club since 2014; member of Florida Association of Mortgage Professionals (FAMP) and Mortgage Bankers Association (MBA)",
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Previously owned and operated BeechTree Mortgage, Inc. in Cocoa Beach, Florida",
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Works with homebuyers, homeowners, REALTORS®, and builders throughout Brevard County and Florida",
        "source": "lender_site",
        "source_url": "https://www.embracehomeloans.com/location/florida/viera/stephen-thaggard",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 08:31:50.923066+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/stephen-thaggard-356309#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.embracehomeloans.com/location/florida/viera/stephen-thaggard",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2011,
      "state": "FL"
    },
    "federal_registration": null
  }
}