{
  "canonical_url": "https://lendb.ai/lo/michelle-shull-501971",
  "loan_officer": {
    "nmls_id": 501971,
    "slug": "michelle-shull-501971",
    "canonical_url": "https://lendb.ai/lo/michelle-shull-501971",
    "md_url": "https://lendb.ai/lo/michelle-shull-501971.md",
    "json_url": "https://lendb.ai/lo/michelle-shull-501971.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/501971",
    "full_name": {
      "value": "Michelle Shull",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/michelleatbell",
      "verified_at": "2026-10-16"
    },
    "first_name": "Michelle",
    "last_name": "Shull",
    "headshot_url": {
      "value": "https://edge.sitecorecloud.io/bellbank1e14e-bellbankab0c-prod3ddb-d33b/media/project/bellbank/bellbankcorporate/mortgage/lender-sites/loan-officers/michelle-shull/michelle-shull-profile-image.png?h=108&iar=0&w=108",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/michelleatbell",
      "verified_at": "2026-10-16"
    },
    "bio": null,
    "title": {
      "value": "Mortgage Banker",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/michelleatbell",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/michelleatbell",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 419538,
      "lender_name": "Bell Bank",
      "lender_slug": "bell-bank-419538",
      "branch_city": "Minneapolis",
      "branch_state": "MN",
      "branch_zip": "55416",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://bell.bank/mortgage/loan-officer/michelleatbell",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/michelleatbell",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 419538,
        "lender_name": "Bell Bank",
        "lender_slug": "bell-bank-419538",
        "branch_city": "Minneapolis",
        "branch_state": "MN",
        "branch_zip": "55416",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://bell.bank/mortgage/loan-officer/michelleatbell",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/michelleatbell",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 08:32:55.481909+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/michelle-shull-501971#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://bell.bank/mortgage/loan-officer/michelleatbell",
      "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"
    }
  }
}