{
  "canonical_url": "https://lendb.ai/lo/morgan-cowle-40312",
  "loan_officer": {
    "nmls_id": 40312,
    "slug": "morgan-cowle-40312",
    "canonical_url": "https://lendb.ai/lo/morgan-cowle-40312",
    "md_url": "https://lendb.ai/lo/morgan-cowle-40312.md",
    "json_url": "https://lendb.ai/lo/morgan-cowle-40312.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/40312",
    "full_name": {
      "value": "Morgan Cowle",
      "source": "lender_site",
      "source_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle",
      "verified_at": "2026-10-09"
    },
    "first_name": "Morgan",
    "last_name": "Cowle",
    "headshot_url": {
      "value": "https://info.churchillmortgage.com/hubfs/images/headshots/loan-officers/Morgan-Cowle.jpg",
      "source": "lender_site",
      "source_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Morgan Cowle has 18 years of mortgage experience specializing in FHA, VA, and conventional loans across Tennessee and multiple states. He holds a Bachelor's degree in Finance from the University of Arizona (1996) and is passionate about orphan and adoption-related causes.",
      "source": "lender_site",
      "source_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 13,
    "years_experience": {
      "value": 18,
      "source": "lender_site",
      "source_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 1591,
      "lender_name": "Churchill Mortgage",
      "lender_slug": "churchill-mortgage-1591",
      "branch_city": "Brentwood",
      "branch_state": "TN",
      "branch_zip": "37027",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1591,
        "lender_name": "Churchill Mortgage",
        "lender_slug": "churchill-mortgage-1591",
        "branch_city": "Brentwood",
        "branch_state": "TN",
        "branch_zip": "37027",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO27637",
        "status": "active",
        "issued_at": "2014-12-04",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": "100044050",
        "status": "active",
        "issued_at": "2013-05-22",
        "source": "state_regulator",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=140579&contact=250218",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "PA",
        "license_type": "state_license",
        "license_number": "43933",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://data.pa.gov/d/tyxc-jyug",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "AL",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "AR",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "CT",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "IN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "KY",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "MI",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "OH",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "OK",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "TN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle",
        "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.churchillmortgage.com/loan-officers/morgan-cowle",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "18",
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "Bachelor's degree in Finance from University of Arizona, 1996",
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Involved in orphan and adoption-related causes",
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 07:44:11.069501+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/morgan-cowle-40312#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.churchillmortgage.com/loan-officers/morgan-cowle",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2013,
      "state": "CO"
    },
    "federal_registration": null
  }
}