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        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.charterwest.com/mortgage-officers/debbie-oakland/",
        "verified_at": "2026-10-16",
        "confidence": "lender_reported"
      },
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.charterwest.com/mortgage-officers/debbie-oakland/",
        "verified_at": "2026-10-16",
        "confidence": "lender_reported"
      },
      {
        "state": "WV",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.charterwest.com/mortgage-officers/debbie-oakland/",
        "verified_at": "2026-10-16",
        "confidence": "lender_reported"
      },
      {
        "state": "WY",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.charterwest.com/mortgage-officers/debbie-oakland/",
        "verified_at": "2026-10-16",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "25",
        "source": "lender_site",
        "source_url": "https://www.charterwest.com/mortgage-officers/debbie-oakland/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "other",
        "value": "lived and worked in Nebraska and North Dakota",
        "source": "lender_site",
        "source_url": "https://www.charterwest.com/mortgage-officers/debbie-oakland/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 06:18:42.260758+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/debbie-oakland-502076#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.charterwest.com/mortgage-officers/debbie-oakland/",
      "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"
    }
  }
}