{
  "canonical_url": "https://lendb.ai/lo/david-gass-956766",
  "lede": {
    "text": "David Gass (NMLS 956766) is a mortgage loan officer at Washington Trust Bank in Spokane, Washington. David's own profile lists physician and medical professional, real estate investor and vacation home as a focus.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is David licensed?",
      "a": "David 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 David list physician and medical professional as a focus?",
      "a": "David's profile lists physician and medical professional as a focus (from their lender profile page). It also lists real estate investor and vacation home.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://www.watrust.com/david-gass",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does David work for?",
      "a": "Washington Trust Bank, company NMLS 728368, from the Spokane, WA office, per the lender's own site (verified 2026-10-16).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.watrust.com/david-gass",
      "verified_at": "2026-10-16"
    },
    {
      "q": "How much experience does David have?",
      "a": "David states 20 years of experience.",
      "fields": [
        "years_experience"
      ],
      "source": "the loan officer's own statement",
      "source_url": "https://www.watrust.com/david-gass",
      "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": 956766,
    "slug": "david-gass-956766",
    "canonical_url": "https://lendb.ai/lo/david-gass-956766",
    "md_url": "https://lendb.ai/lo/david-gass-956766.md",
    "json_url": "https://lendb.ai/lo/david-gass-956766.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/956766",
    "full_name": {
      "value": "David Gass",
      "source": "lender_site",
      "source_url": "https://www.watrust.com/david-gass",
      "verified_at": "2026-10-16"
    },
    "first_name": "David",
    "last_name": "Gass",
    "headshot_url": {
      "value": "https://www.watrust.com/assets/files/9RCQd1ZZ/david-gass-260px.jpg",
      "source": "lender_site",
      "source_url": "https://www.watrust.com/david-gass",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "David Gass is a VP and sales manager at Washington Trust Bank with 20 years of professional experience. They work with clients, realtors and community partners in the Spokane area. Their profile lists physician and professional loan programs, second home and investment properties, and waterfront properties as specialties.",
      "source": "lender_site",
      "source_url": "https://www.watrust.com/david-gass",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "VP / Sales Manager",
      "source": "lender_site",
      "source_url": "https://www.watrust.com/david-gass",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.watrust.com/david-gass",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 20,
      "source": "lender_site",
      "source_url": "https://www.watrust.com/david-gass",
      "verified_at": "2026-10-16"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 728368,
      "lender_name": "Washington Trust Bank",
      "lender_slug": "washington-trust-bank-728368",
      "branch_city": "Spokane",
      "branch_state": "WA",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.watrust.com/david-gass",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.watrust.com/david-gass",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 728368,
        "lender_name": "Washington Trust Bank",
        "lender_slug": "washington-trust-bank-728368",
        "branch_city": "Spokane",
        "branch_state": "WA",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.watrust.com/david-gass",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.watrust.com/david-gass",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "physician",
        "label": "Physician and medical professional",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://www.watrust.com/david-gass",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://www.watrust.com/david-gass",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "vacation-home",
        "label": "Vacation home",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://www.watrust.com/david-gass",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "20",
        "source": "lender_site",
        "source_url": "https://www.watrust.com/david-gass",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "role",
        "value": "leads the bank's team of external loan officers",
        "source": "lender_site",
        "source_url": "https://www.watrust.com/david-gass",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "service_area",
        "value": "Spokane area",
        "source": "lender_site",
        "source_url": "https://www.watrust.com/david-gass",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "education",
        "value": "Yakima Valley College, associate of applied science degree",
        "source": "lender_site",
        "source_url": "https://www.watrust.com/david-gass",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "community",
        "value": "Ronald McDonald House Charities of the Inland Northwest",
        "source": "lender_site",
        "source_url": "https://www.watrust.com/david-gass",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "community",
        "value": "Spokane Association for Mortgage Professionals, Board President",
        "source": "lender_site",
        "source_url": "https://www.watrust.com/david-gass",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "community",
        "value": "Spokane Association of Realtors, Governmental Affairs Committee",
        "source": "lender_site",
        "source_url": "https://www.watrust.com/david-gass",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 20:09:58.6374+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/david-gass-956766#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.watrust.com/david-gass",
      "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"
    }
  }
}