{
  "canonical_url": "https://lendb.ai/lo/tracy-white-405742",
  "loan_officer": {
    "nmls_id": 405742,
    "slug": "tracy-white-405742",
    "canonical_url": "https://lendb.ai/lo/tracy-white-405742",
    "md_url": "https://lendb.ai/lo/tracy-white-405742.md",
    "json_url": "https://lendb.ai/lo/tracy-white-405742.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/405742",
    "full_name": {
      "value": "Tracy White",
      "source": "lender_site",
      "source_url": "https://www.fsbwa.com/loan-officers/tracy-white",
      "verified_at": "2026-10-16"
    },
    "first_name": "Tracy",
    "last_name": "White",
    "headshot_url": null,
    "bio": null,
    "title": {
      "value": "Senior Loan Officer / Manager",
      "source": "lender_site",
      "source_url": "https://www.fsbwa.com/loan-officers/tracy-white",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.fsbwa.com/loan-officers/tracy-white",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 50,
    "current_employment": {
      "lender_nmls_id": 761985,
      "lender_name": "1st Security Bank of Washington",
      "lender_slug": "1st-security-bank-of-washington-761985",
      "branch_city": "Poulsbo",
      "branch_state": "WA",
      "branch_zip": "98370",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.fsbwa.com/loan-officers/tracy-white",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.fsbwa.com/loan-officers/tracy-white",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 761985,
        "lender_name": "1st Security Bank of Washington",
        "lender_slug": "1st-security-bank-of-washington-761985",
        "branch_city": "Poulsbo",
        "branch_state": "WA",
        "branch_zip": "98370",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.fsbwa.com/loan-officers/tracy-white",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.fsbwa.com/loan-officers/tracy-white",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [],
    "lender_offers": [],
    "contacts": [
      {
        "kind": "application_url",
        "value": "https://mortgage.fsbwa.com/dr/c/34pfl",
        "source": "lender_site",
        "source_url": "https://www.fsbwa.com/loan-officers/tracy-white",
        "verified_at": "2026-10-26"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 1986",
        "source": "lender_site",
        "source_url": "https://www.fsbwa.com/loan-officers/tracy-white",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "role",
        "value": "leads the Poulsbo Home Lending team",
        "source": "lender_site",
        "source_url": "https://www.fsbwa.com/loan-officers/tracy-white",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "role",
        "value": "branch manager, from 1994",
        "source": "lender_site",
        "source_url": "https://www.fsbwa.com/loan-officers/tracy-white",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "credential",
        "value": "Member of Seattle Magazine’s Top Loan Officers",
        "source": "lender_site",
        "source_url": "https://www.fsbwa.com/loan-officers/tracy-white",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "credential",
        "value": "Annual member of the Chairman’s Club at Lynnwood Mortgage",
        "source": "lender_site",
        "source_url": "https://www.fsbwa.com/loan-officers/tracy-white",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "education",
        "value": "Olympic High School graduate",
        "source": "lender_site",
        "source_url": "https://www.fsbwa.com/loan-officers/tracy-white",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 13:20:19.216153+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/tracy-white-405742#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.fsbwa.com/loan-officers/tracy-white",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}