{
  "canonical_url": "https://lendb.ai/lo/janet-harder-64678",
  "loan_officer": {
    "nmls_id": 64678,
    "slug": "janet-harder-64678",
    "canonical_url": "https://lendb.ai/lo/janet-harder-64678",
    "md_url": "https://lendb.ai/lo/janet-harder-64678.md",
    "json_url": "https://lendb.ai/lo/janet-harder-64678.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/64678",
    "full_name": {
      "value": "Janet Harder",
      "source": "lender_site",
      "source_url": "https://www.homesteadfunding.com/loan-originators/janet-harder",
      "verified_at": "2026-10-09"
    },
    "first_name": "Janet",
    "last_name": "Harder",
    "headshot_url": null,
    "bio": {
      "value": "Janet has been in the mortgage industry since 1997 and is Assistant Branch Manager at the newly opened Delmar Branch. She previously worked in Homestead's Operations Department and is dedicated to providing excellent customer service.",
      "source": "lender_site",
      "source_url": "https://www.homesteadfunding.com/loan-originators/janet-harder",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Licensed Loan Originator",
      "source": "lender_site",
      "source_url": "https://www.homesteadfunding.com/loan-originators/janet-harder",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.homesteadfunding.com/loan-originators/janet-harder",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 5,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 3232,
      "lender_name": "Homestead Funding",
      "lender_slug": "homestead-funding-3232",
      "branch_city": "Delmar",
      "branch_state": "NY",
      "branch_zip": "12054",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.homesteadfunding.com/loan-originators/janet-harder",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.homesteadfunding.com/loan-originators/janet-harder",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3232,
        "lender_name": "Homestead Funding",
        "lender_slug": "homestead-funding-3232",
        "branch_city": "Delmar",
        "branch_state": "NY",
        "branch_zip": "12054",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.homesteadfunding.com/loan-originators/janet-harder",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.homesteadfunding.com/loan-originators/janet-harder",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO89810",
        "status": "active",
        "issued_at": "2021-06-18",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "GA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.homesteadfunding.com/loan-originators/janet-harder",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "NY",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.homesteadfunding.com/loan-originators/janet-harder",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 1997",
        "source": "lender_site",
        "source_url": "https://www.homesteadfunding.com/loan-originators/janet-harder",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Assistant Branch Manager; previously worked in Operations Department",
        "source": "lender_site",
        "source_url": "https://www.homesteadfunding.com/loan-originators/janet-harder",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Georgia Residential Mortgage Licensee #12845",
        "source": "lender_site",
        "source_url": "https://www.homesteadfunding.com/loan-originators/janet-harder",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 09:26:26.606118+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/janet-harder-64678#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.homesteadfunding.com/loan-originators/janet-harder",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2021,
      "state": "FL"
    },
    "federal_registration": null
  }
}