{
  "canonical_url": "https://lendb.ai/lo/hanaan-o-rear-928910",
  "loan_officer": {
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    "slug": "hanaan-o-rear-928910",
    "canonical_url": "https://lendb.ai/lo/hanaan-o-rear-928910",
    "md_url": "https://lendb.ai/lo/hanaan-o-rear-928910.md",
    "json_url": "https://lendb.ai/lo/hanaan-o-rear-928910.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/928910",
    "full_name": {
      "value": "Michelle O'Rear",
      "source": "lender_site",
      "source_url": "https://www.fairway.com/lo/michelle-orear-928910",
      "verified_at": "2026-10-09"
    },
    "first_name": "Michelle",
    "last_name": "O'Rear",
    "headshot_url": {
      "value": "https://img.fairway.com/images/head_shot/michelle-orear-928910.jpg?fwy_Id=66e20b09-e8b6-4c81-b9f1-c23900687235",
      "source": "lender_site",
      "source_url": "https://www.fairway.com/lo/michelle-orear-928910",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Michelle O'Rear brings 14 years of mortgage lending experience, focusing on guiding borrowers through the home buying process with clear communication and personalized service.",
      "source": "lender_site",
      "source_url": "https://www.fairway.com/lo/michelle-orear-928910",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Outside Sales Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.fairway.com/lo/michelle-orear-928910",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.fairway.com/lo/michelle-orear-928910",
      "verified_at": "2026-10-09"
    },
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    "years_experience": {
      "value": 14,
      "source": "lender_site",
      "source_url": "https://www.fairway.com/lo/michelle-orear-928910",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 2289,
      "lender_name": "Fairway Independent Mortgage Corporation",
      "lender_slug": "fairway-independent-mortgage-2289",
      "branch_city": "Kearney",
      "branch_state": "MO",
      "branch_zip": "64060",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.fairway.com/lo/michelle-orear-928910",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.fairway.com/lo/michelle-orear-928910",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2289,
        "lender_name": "Fairway Independent Mortgage Corporation",
        "lender_slug": "fairway-independent-mortgage-2289",
        "branch_city": "Kearney",
        "branch_state": "MO",
        "branch_zip": "64060",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.fairway.com/lo/michelle-orear-928910",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/michelle-orear-928910",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO22230",
        "status": "active",
        "issued_at": "2013-11-13",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "IA",
        "license_type": "state_license",
        "license_number": "55104",
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/michelle-orear-928910",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "KS",
        "license_type": "state_license",
        "license_number": "LO.0029361",
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/michelle-orear-928910",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "MO",
        "license_type": "state_license",
        "license_number": "928910",
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/michelle-orear-928910",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "14",
        "source": "lender_site",
        "source_url": "https://www.fairway.com/lo/michelle-orear-928910",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 01:55:17.324321+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/hanaan-o-rear-928910#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.fairway.com/lo/michelle-orear-928910",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
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      "state": "FL"
    },
    "federal_registration": null
  }
}