{
  "canonical_url": "https://lendb.ai/lo/michael-young-886948",
  "loan_officer": {
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    "slug": "michael-young-886948",
    "canonical_url": "https://lendb.ai/lo/michael-young-886948",
    "md_url": "https://lendb.ai/lo/michael-young-886948.md",
    "json_url": "https://lendb.ai/lo/michael-young-886948.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/886948",
    "full_name": {
      "value": "Michael Young",
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/michael-young",
      "verified_at": "2026-10-11"
    },
    "first_name": "Michael",
    "last_name": "Young",
    "headshot_url": {
      "value": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/Production_12892_Michael_Young",
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/michael-young",
      "verified_at": "2026-10-11"
    },
    "bio": {
      "value": "Has assisted families with home financing since 2003, with a focus on Arizona, California, Georgia, Idaho, Illinois, Oregon and Washington markets. Over half of referrals come from past clients.",
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/michael-young",
      "verified_at": "2026-10-11"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/michael-young",
      "verified_at": "2026-10-11"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/michael-young",
      "verified_at": "2026-10-11"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 1820,
      "lender_name": "CMG Home Loans",
      "lender_slug": "cmg-home-loans-1820",
      "branch_city": "Snohomish",
      "branch_state": "WA",
      "branch_zip": "98290",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.cmghomeloans.com/mysite/michael-young",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/michael-young",
      "verified_at": "2026-10-11"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1820,
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        "lender_slug": "cmg-home-loans-1820",
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        "branch_state": "WA",
        "branch_zip": "98290",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/michael-young",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/michael-young",
        "verified_at": "2026-10-11"
      }
    ],
    "licenses": [
      {
        "state": "AZ",
        "license_type": "state_license",
        "license_number": null,
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        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/michael-young",
        "verified_at": "2026-10-11",
        "confidence": "lender_reported"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/michael-young",
        "verified_at": "2026-10-11",
        "confidence": "lender_reported"
      },
      {
        "state": "GA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/michael-young",
        "verified_at": "2026-10-11",
        "confidence": "lender_reported"
      },
      {
        "state": "ID",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/michael-young",
        "verified_at": "2026-10-11",
        "confidence": "lender_reported"
      },
      {
        "state": "IL",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/michael-young",
        "verified_at": "2026-10-11",
        "confidence": "lender_reported"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/michael-young",
        "verified_at": "2026-10-11",
        "confidence": "lender_reported"
      },
      {
        "state": "WA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/michael-young",
        "verified_at": "2026-10-11",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 2003",
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/michael-young",
        "verified_at": "2026-10-11"
      },
      {
        "kind": "service_area",
        "value": "Arizona, California, Georgia, Idaho, Illinois, Oregon and Washington markets",
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/michael-young",
        "verified_at": "2026-10-11"
      },
      {
        "kind": "other",
        "value": "Over half of referrals come from previous clients",
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/michael-young",
        "verified_at": "2026-10-11"
      }
    ],
    "last_verified_at": "2026-10-11",
    "updated_at": "2026-10-11 16:13:09.713065+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/michael-young-886948#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.cmghomeloans.com/mysite/michael-young",
      "verified_at": "2026-10-11"
    },
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    "licensed_since": null,
    "federal_registration": null
  }
}