{
  "canonical_url": "https://lendb.ai/lo/caroline-smith-2107073",
  "loan_officer": {
    "nmls_id": 2107073,
    "slug": "caroline-smith-2107073",
    "canonical_url": "https://lendb.ai/lo/caroline-smith-2107073",
    "md_url": "https://lendb.ai/lo/caroline-smith-2107073.md",
    "json_url": "https://lendb.ai/lo/caroline-smith-2107073.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2107073",
    "full_name": {
      "value": "Caroline Smith",
      "source": "lender_site",
      "source_url": "https://fhmtg.com/officers/caroline-smith/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Caroline",
    "last_name": "Smith",
    "headshot_url": {
      "value": "https://fhmtg.com/wp-content/uploads/2025/11/Caroline_Smith_500-1.png",
      "source": "lender_site",
      "source_url": "https://fhmtg.com/officers/caroline-smith/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Caroline is a mortgage professional with expertise in residential, FHA, and VA loans. She specializes in educating clients on home buying, refinancing, and investment properties, with particular strength in helping first-time homebuyers.",
      "source": "lender_site",
      "source_url": "https://fhmtg.com/officers/caroline-smith/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Senior Loan Officer",
      "source": "lender_site",
      "source_url": "https://fhmtg.com/officers/caroline-smith/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://fhmtg.com/officers/caroline-smith/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 75,
    "current_employment": {
      "lender_nmls_id": 86548,
      "lender_name": "First Heritage Mortgage",
      "lender_slug": "first-heritage-mortgage-86548",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://fhmtg.com/officers/caroline-smith/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://fhmtg.com/officers/caroline-smith/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 86548,
        "lender_name": "First Heritage Mortgage",
        "lender_slug": "first-heritage-mortgage-86548",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://fhmtg.com/officers/caroline-smith/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/caroline-smith/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "GA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/caroline-smith/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "NC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/caroline-smith/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "SC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/caroline-smith/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "TN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/caroline-smith/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/caroline-smith/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/caroline-smith/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "heloc",
        "label": "HELOC",
        "evidence": "lender_page_text",
        "confidence": 0.75,
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/caroline-smith/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/caroline-smith/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/caroline-smith-6900531b1/",
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/caroline-smith/",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "role",
        "value": "Senior Loan Officer with expertise in loan origination and credit analysis",
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/caroline-smith/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 07:23:58.796208+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office"
      ],
      "reveal_url": "https://lendb.ai/lo/caroline-smith-2107073#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://fhmtg.com/officers/caroline-smith/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": null
  }
}