{
  "canonical_url": "https://lendb.ai/lo/carol-richardson-624077",
  "loan_officer": {
    "nmls_id": 624077,
    "slug": "carol-richardson-624077",
    "canonical_url": "https://lendb.ai/lo/carol-richardson-624077",
    "md_url": "https://lendb.ai/lo/carol-richardson-624077.md",
    "json_url": "https://lendb.ai/lo/carol-richardson-624077.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/624077",
    "full_name": {
      "value": "Carol Richardson",
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/crichardson/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Carol",
    "last_name": "Richardson",
    "headshot_url": {
      "value": "https://alcova.com/wp-content/uploads/2024/08/carol-richardson.png",
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/crichardson/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Carol has 41 years of banking experience starting at JP Morgan Chase in 1985, including 31 years in mortgage. She moved to Virginia in 2012 to be closer to family and is passionate about helping first-time homebuyers achieve homeownership.",
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/crichardson/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/crichardson/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/crichardson/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 40508,
      "lender_name": "ALCOVA Mortgage",
      "lender_slug": "alcova-mortgage-40508",
      "branch_city": "Richmond",
      "branch_state": "VA",
      "branch_zip": "23230",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://alcova.com/loan-officer/crichardson/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/crichardson/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 40508,
        "lender_name": "ALCOVA Mortgage",
        "lender_slug": "alcova-mortgage-40508",
        "branch_city": "Richmond",
        "branch_state": "VA",
        "branch_zip": "23230",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://alcova.com/loan-officer/crichardson/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/crichardson/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "VA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/crichardson/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/crichardson/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/carol-richardson-b2b32375/",
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/crichardson/",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 1985",
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/crichardson/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "years_experience",
        "value": "since 1993",
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/crichardson/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 09:13:34.04386+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/carol-richardson-624077#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://alcova.com/loan-officer/crichardson/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": null
  }
}