{
  "canonical_url": "https://lendb.ai/lo/david-joyner-116874",
  "loan_officer": {
    "nmls_id": 116874,
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    "canonical_url": "https://lendb.ai/lo/david-joyner-116874",
    "md_url": "https://lendb.ai/lo/david-joyner-116874.md",
    "json_url": "https://lendb.ai/lo/david-joyner-116874.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/116874",
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      "source": "lender_site",
      "source_url": "https://townebankmortgage.com/officers/david-joyner/",
      "verified_at": "2026-10-09"
    },
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    "last_name": "Joyner",
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      "source": "lender_site",
      "source_url": "https://townebankmortgage.com/officers/david-joyner/",
      "verified_at": "2026-10-09"
    },
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      "value": "David Joyner has 20 years of industry experience and is a 4-time Chairman's Club winner. He specializes in working with first-time buyers, self-employed buyers, and investors, serving the Outer Banks area with expertise in diverse borrower situations.",
      "source": "lender_site",
      "source_url": "https://townebankmortgage.com/officers/david-joyner/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "VP/ Mortgage Sales Manager",
      "source": "lender_site",
      "source_url": "https://townebankmortgage.com/officers/david-joyner/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://townebankmortgage.com/officers/david-joyner/",
      "verified_at": "2026-10-09"
    },
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      "source": "lender_site",
      "source_url": "https://townebankmortgage.com/officers/david-joyner/",
      "verified_at": "2026-10-09"
    },
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    "claimed_at": null,
    "profile_completeness": 90,
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      "end_date": null,
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      "source_url": "https://townebankmortgage.com/officers/david-joyner/",
      "verified_at": "2026-10-09"
    },
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      {
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        "lender_slug": "townebank-mortgage-512138",
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        "branch_state": "NC",
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        "end_date": null,
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        "source_url": "https://townebankmortgage.com/officers/david-joyner/",
        "verified_at": "2026-10-09"
      }
    ],
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        "evidence": "lender_page_text",
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        "source": "lender_site",
        "source_url": "https://townebankmortgage.com/officers/david-joyner/",
        "verified_at": "2026-10-09"
      },
      {
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        "label": "Self-employed",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://townebankmortgage.com/officers/david-joyner/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.75,
        "source": "lender_site",
        "source_url": "https://townebankmortgage.com/officers/david-joyner/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "vacation-home",
        "label": "Vacation home",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://townebankmortgage.com/officers/david-joyner/",
        "verified_at": "2026-10-09"
      }
    ],
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      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/david-joyner-412a527",
        "source": "lender_site",
        "source_url": "https://townebankmortgage.com/officers/david-joyner/",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "20",
        "source": "lender_site",
        "source_url": "https://townebankmortgage.com/officers/david-joyner/",
        "verified_at": "2026-10-09"
      },
      {
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        "source": "lender_site",
        "source_url": "https://townebankmortgage.com/officers/david-joyner/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
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        "source": "lender_site",
        "source_url": "https://townebankmortgage.com/officers/david-joyner/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 06:55:35.533554+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/david-joyner-116874#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://townebankmortgage.com/officers/david-joyner/",
      "verified_at": "2026-10-09"
    },
    "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"
    }
  }
}