{
  "canonical_url": "https://lendb.ai/lo/bill-mcdonald-698254",
  "lede": {
    "text": "Bill McDonald, NMLS 698254, works as a Senior Loan Officer at 1st Security Bank of Washington in Mountlake Terrace, Washington. Bill's lender page shows a focus on construction loan and renovation loan (203k / HomeStyle).",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Bill licensed?",
      "a": "Bill works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access.",
      "fields": [
        "federal_registration",
        "current_employment"
      ],
      "source": "employer type in LenDb's lender registry",
      "source_url": null,
      "verified_at": "2026-10-16"
    },
    {
      "q": "Does Bill do construction loans?",
      "a": "Bill's profile lists construction loan as a focus (from their lender profile page). It also lists renovation loan (203k / HomeStyle).",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://www.fsbwa.com/loan-officers/bill-mcdonald",
      "verified_at": "2026-11-03"
    },
    {
      "q": "What lender does Bill work for?",
      "a": "1st Security Bank of Washington, company NMLS 761985, from the Mountlake Terrace, WA office, per the lender's own site (verified 2026-10-16).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.fsbwa.com/loan-officers/bill-mcdonald",
      "verified_at": "2026-10-16"
    },
    {
      "q": "How much experience does Bill have?",
      "a": "Bill states 30 years of experience.",
      "fields": [
        "years_experience"
      ],
      "source": "the loan officer's own statement",
      "source_url": "https://www.fsbwa.com/loan-officers/bill-mcdonald",
      "verified_at": "2026-10-16"
    }
  ],
  "field_notes": {
    "languages": "Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it."
  },
  "loan_officer": {
    "nmls_id": 698254,
    "slug": "bill-mcdonald-698254",
    "canonical_url": "https://lendb.ai/lo/bill-mcdonald-698254",
    "md_url": "https://lendb.ai/lo/bill-mcdonald-698254.md",
    "json_url": "https://lendb.ai/lo/bill-mcdonald-698254.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/698254",
    "full_name": {
      "value": "Bill McDonald",
      "source": "lender_site",
      "source_url": "https://www.fsbwa.com/loan-officers/bill-mcdonald",
      "verified_at": "2026-10-16"
    },
    "first_name": "Bill",
    "last_name": "McDonald",
    "headshot_url": null,
    "bio": null,
    "title": {
      "value": "Senior Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.fsbwa.com/loan-officers/bill-mcdonald",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.fsbwa.com/loan-officers/bill-mcdonald",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 30,
      "source": "lender_site",
      "source_url": "https://www.fsbwa.com/loan-officers/bill-mcdonald",
      "verified_at": "2026-10-16"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 60,
    "current_employment": {
      "lender_nmls_id": 761985,
      "lender_name": "1st Security Bank of Washington",
      "lender_slug": "1st-security-bank-of-washington-761985",
      "branch_city": "Mountlake Terrace",
      "branch_state": "WA",
      "branch_zip": "98043",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.fsbwa.com/loan-officers/bill-mcdonald",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.fsbwa.com/loan-officers/bill-mcdonald",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 761985,
        "lender_name": "1st Security Bank of Washington",
        "lender_slug": "1st-security-bank-of-washington-761985",
        "branch_city": "Mountlake Terrace",
        "branch_state": "WA",
        "branch_zip": "98043",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.fsbwa.com/loan-officers/bill-mcdonald",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.fsbwa.com/loan-officers/bill-mcdonald",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "construction",
        "label": "Construction loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.fsbwa.com/loan-officers/bill-mcdonald",
        "verified_at": "2026-11-03"
      },
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.fsbwa.com/loan-officers/bill-mcdonald",
        "verified_at": "2026-11-03"
      }
    ],
    "lender_offers": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/bill-mcdonald-96203915",
        "source": "lender_site",
        "source_url": "https://www.fsbwa.com/loan-officers/bill-mcdonald",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "application_url",
        "value": "https://mortgage.fsbwa.com/dr/c/44wak",
        "source": "lender_site",
        "source_url": "https://www.fsbwa.com/loan-officers/bill-mcdonald",
        "verified_at": "2026-10-26"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "30",
        "source": "lender_site",
        "source_url": "https://www.fsbwa.com/loan-officers/bill-mcdonald",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "credential",
        "value": "Three-State Regional Boxing Champion",
        "source": "lender_site",
        "source_url": "https://www.fsbwa.com/loan-officers/bill-mcdonald",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "other",
        "value": "Started with 1st Security Bank in March 2019",
        "source": "lender_site",
        "source_url": "https://www.fsbwa.com/loan-officers/bill-mcdonald",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-21 19:35:16.822291+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/bill-mcdonald-698254#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.fsbwa.com/loan-officers/bill-mcdonald",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}