{
  "canonical_url": "https://lendb.ai/lo/chris-phares-659158",
  "loan_officer": {
    "nmls_id": 659158,
    "slug": "chris-phares-659158",
    "canonical_url": "https://lendb.ai/lo/chris-phares-659158",
    "md_url": "https://lendb.ai/lo/chris-phares-659158.md",
    "json_url": "https://lendb.ai/lo/chris-phares-659158.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/659158",
    "full_name": {
      "value": "Chris Phares",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/chris-phares-mortgage-loan-officer-pawleys-island-sc-29585",
      "verified_at": "2026-10-09"
    },
    "first_name": "Chris",
    "last_name": "Phares",
    "headshot_url": {
      "value": "https://www.truist.com/content/dam/profiles/rep/G/G76941_ChrisPhares.jpg",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/chris-phares-mortgage-loan-officer-pawleys-island-sc-29585",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Chris brings 22 years of mortgage industry experience originating purchase and refinance loans, focusing on personalized guidance to help clients find the best loan option for their unique financial goals.",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/chris-phares-mortgage-loan-officer-pawleys-island-sc-29585",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/chris-phares-mortgage-loan-officer-pawleys-island-sc-29585",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [
        "en"
      ],
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/chris-phares-mortgage-loan-officer-pawleys-island-sc-29585",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 399803,
      "lender_name": "Truist Bank",
      "lender_slug": "truist-399803",
      "branch_city": "Pawleys Island",
      "branch_state": "SC",
      "branch_zip": "29585",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.truist.com/finder/mortgage/chris-phares-mortgage-loan-officer-pawleys-island-sc-29585",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/chris-phares-mortgage-loan-officer-pawleys-island-sc-29585",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 399803,
        "lender_name": "Truist Bank",
        "lender_slug": "truist-399803",
        "branch_city": "Pawleys Island",
        "branch_state": "SC",
        "branch_zip": "29585",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.truist.com/finder/mortgage/chris-phares-mortgage-loan-officer-pawleys-island-sc-29585",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.truist.com/finder/mortgage/chris-phares-mortgage-loan-officer-pawleys-island-sc-29585",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "education",
        "value": "Bachelor's degree from Marshall University, 1999",
        "source": "lender_site",
        "source_url": "https://www.truist.com/finder/mortgage/chris-phares-mortgage-loan-officer-pawleys-island-sc-29585",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 11:59:54.426035+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/chris-phares-659158#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.truist.com/finder/mortgage/chris-phares-mortgage-loan-officer-pawleys-island-sc-29585",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}