{
  "canonical_url": "https://lendb.ai/lo/fred-holsman-399150",
  "loan_officer": {
    "nmls_id": 399150,
    "slug": "fred-holsman-399150",
    "canonical_url": "https://lendb.ai/lo/fred-holsman-399150",
    "md_url": "https://lendb.ai/lo/fred-holsman-399150.md",
    "json_url": "https://lendb.ai/lo/fred-holsman-399150.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/399150",
    "full_name": {
      "value": "Fred Holsman",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/idaho/eagle/fred-holsman",
      "verified_at": "2026-10-10"
    },
    "first_name": "Fred",
    "last_name": "Holsman",
    "headshot_url": {
      "value": "https://www.lower.com/hs-fs/hubfs/airtable-imports/profile-pics/lo-fred-holsman-2.jpg?quality=80&format=webp&width=800&height=800&name=lo-fred-holsman-2.jpg",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/idaho/eagle/fred-holsman",
      "verified_at": "2026-10-10"
    },
    "bio": {
      "value": "Fred Holsman is a Senior Loan Officer serving clients in Eagle, Idaho, and surrounding communities across the Treasure Valley region.",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/idaho/eagle/fred-holsman",
      "verified_at": "2026-10-10"
    },
    "title": {
      "value": "Sr. Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/idaho/eagle/fred-holsman",
      "verified_at": "2026-10-10"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/idaho/eagle/fred-holsman",
      "verified_at": "2026-10-10"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 1124061,
      "lender_name": "Lower",
      "lender_slug": "lower-1124061",
      "branch_city": "Eagle",
      "branch_state": "ID",
      "branch_zip": "83616",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.lower.com/loan-officers/idaho/eagle/fred-holsman",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/idaho/eagle/fred-holsman",
      "verified_at": "2026-10-10"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "lender_slug": "lower-1124061",
        "branch_city": "Eagle",
        "branch_state": "ID",
        "branch_zip": "83616",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.lower.com/loan-officers/idaho/eagle/fred-holsman",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/idaho/eagle/fred-holsman",
        "verified_at": "2026-10-10"
      }
    ],
    "licenses": [],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [
      {
        "kind": "video_intro",
        "summary": "Fred has a short recorded video intro on Lower's site.",
        "listen_url": "https://www.lower.com/loan-officers/idaho/eagle/fred-holsman",
        "duration_seconds": null,
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/idaho/eagle/fred-holsman",
        "verified_at": "2026-10-10"
      }
    ],
    "facts": [
      {
        "kind": "service_area",
        "value": "Eagle, Idaho and surrounding communities",
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/idaho/eagle/fred-holsman",
        "verified_at": "2026-10-10"
      }
    ],
    "last_verified_at": "2026-10-10",
    "updated_at": "2026-10-11 01:26:17.649107+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/fred-holsman-399150#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.lower.com/loan-officers/idaho/eagle/fred-holsman",
      "verified_at": "2026-10-10"
    },
    "licensed_since": null,
    "federal_registration": null
  }
}