{
  "canonical_url": "https://lendb.ai/lo/carl-illum-745088",
  "loan_officer": {
    "nmls_id": 745088,
    "slug": "carl-illum-745088",
    "canonical_url": "https://lendb.ai/lo/carl-illum-745088",
    "md_url": "https://lendb.ai/lo/carl-illum-745088.md",
    "json_url": "https://lendb.ai/lo/carl-illum-745088.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/745088",
    "full_name": {
      "value": "Carl Illum",
      "source": "lender_site",
      "source_url": "https://www.pennymac.com/find-loan-officer/carl-illum",
      "verified_at": "2026-10-09"
    },
    "first_name": "Carl",
    "last_name": "Illum",
    "headshot_url": {
      "value": "https://www.pennymac.com/assets/images/find-loan-officer/headshots/carl-illum.jpg",
      "source": "lender_site",
      "source_url": "https://www.pennymac.com/find-loan-officer/carl-illum",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Carl Illum serves as Managing Director of the Retail Division at Pennymac, overseeing production operations and enterprise initiatives. He has been with Pennymac since 2012, rising through leadership roles in sales and production.",
      "source": "lender_site",
      "source_url": "https://www.pennymac.com/find-loan-officer/carl-illum",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Managing Director, Retail Division",
      "source": "lender_site",
      "source_url": "https://www.pennymac.com/find-loan-officer/carl-illum",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.pennymac.com/find-loan-officer/carl-illum",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 35953,
      "lender_name": "Pennymac",
      "lender_slug": "pennymac-35953",
      "branch_city": "Plano",
      "branch_state": "TX",
      "branch_zip": "75075",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.pennymac.com/find-loan-officer/carl-illum",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.pennymac.com/find-loan-officer/carl-illum",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 35953,
        "lender_name": "Pennymac",
        "lender_slug": "pennymac-35953",
        "branch_city": "Plano",
        "branch_state": "TX",
        "branch_zip": "75075",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.pennymac.com/find-loan-officer/carl-illum",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.pennymac.com/find-loan-officer/carl-illum",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "role",
        "value": "Managing Director of the Retail Division",
        "source": "lender_site",
        "source_url": "https://www.pennymac.com/find-loan-officer/carl-illum",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "years_experience",
        "value": "since 2012",
        "source": "lender_site",
        "source_url": "https://www.pennymac.com/find-loan-officer/carl-illum",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 02:55:56.127357+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/carl-illum-745088#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.pennymac.com/find-loan-officer/carl-illum",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": null
  }
}