{
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    "md_url": "https://lendb.ai/lo/carl-melby-201079.md",
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      "source_url": "https://branches.guildmortgage.com/il/aurora/carl-melby-119-ctcme.html",
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    },
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      "verified_at": "2026-10-09"
    },
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      "value": "Carl Melby is a Team Manager and Sr. Mortgage Loan Originator with over 30 years of mortgage industry experience.",
      "source": "lender_site",
      "source_url": "https://branches.guildmortgage.com/il/aurora/carl-melby-119-ctcme.html",
      "verified_at": "2026-10-09"
    },
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      "source_url": "https://branches.guildmortgage.com/il/aurora/carl-melby-119-ctcme.html",
      "verified_at": "2026-10-09"
    },
    "languages": {
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    },
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      "source_url": "https://branches.guildmortgage.com/il/aurora/carl-melby-119-ctcme.html",
      "verified_at": "2026-10-09"
    },
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    "claimed_at": null,
    "profile_completeness": 95,
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      "end_date": null,
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      "source_url": "https://branches.guildmortgage.com/il/aurora/carl-melby-119-ctcme.html",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
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        "lender_slug": "guild-mortgage-3274",
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        "branch_state": "IL",
        "branch_zip": "60506",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://branches.guildmortgage.com/il/aurora/carl-melby-119-ctcme.html",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/il/aurora/carl-melby-119-ctcme.html",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO32724",
        "status": "active",
        "issued_at": "2015-11-25",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-09"
      },
      {
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        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/il/aurora/carl-melby-119-ctcme.html",
        "verified_at": "2026-10-09"
      },
      {
        "state": "IN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/il/aurora/carl-melby-119-ctcme.html",
        "verified_at": "2026-10-09"
      }
    ],
    "specialties": [
      {
        "slug": "down-payment-assistance",
        "label": "Down payment assistance",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/il/aurora/carl-melby-119-ctcme.html",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/il/aurora/carl-melby-119-ctcme.html",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/il/aurora/carl-melby-119-ctcme.html",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/il/aurora/carl-melby-119-ctcme.html",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/il/aurora/carl-melby-119-ctcme.html",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/il/aurora/carl-melby-119-ctcme.html",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/il/aurora/carl-melby-119-ctcme.html",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/carl-melby-8492716/",
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/il/aurora/carl-melby-119-ctcme.html",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "30",
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/il/aurora/carl-melby-119-ctcme.html",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Team Manager and Sr. Mortgage Loan Originator",
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/il/aurora/carl-melby-119-ctcme.html",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Actively involved in his community",
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/il/aurora/carl-melby-119-ctcme.html",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 05:58:53.587383+00",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/carl-melby-201079#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://branches.guildmortgage.com/il/aurora/carl-melby-119-ctcme.html",
      "verified_at": "2026-10-09"
    }
  }
}