{
  "canonical_url": "https://lendb.ai/lo/earl-o-neal-91400",
  "loan_officer": {
    "nmls_id": 91400,
    "slug": "earl-o-neal-91400",
    "canonical_url": "https://lendb.ai/lo/earl-o-neal-91400",
    "md_url": "https://lendb.ai/lo/earl-o-neal-91400.md",
    "json_url": "https://lendb.ai/lo/earl-o-neal-91400.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/91400",
    "full_name": {
      "value": "Skip O'Neal",
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/skip-oneal/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Skip",
    "last_name": "O'Neal",
    "headshot_url": null,
    "bio": {
      "value": "Skip has 30 years' experience in mortgages, having closed over $600M in loans. He specializes in helping first-time and veteran buyers find the best mortgage for their situation.",
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/skip-oneal/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/skip-oneal/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/skip-oneal/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 30,
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/skip-oneal/",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 134871,
      "lender_name": "Highlands Residential Mortgage",
      "lender_slug": "highlands-residential-mortgage-134871",
      "branch_city": "Charlotte",
      "branch_state": "NC",
      "branch_zip": "28277",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.highlandsmortgage.com/agents/skip-oneal/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/skip-oneal/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 134871,
        "lender_name": "Highlands Residential Mortgage",
        "lender_slug": "highlands-residential-mortgage-134871",
        "branch_city": "Charlotte",
        "branch_state": "NC",
        "branch_zip": "28277",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.highlandsmortgage.com/agents/skip-oneal/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/skip-oneal/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO94637",
        "status": "active",
        "issued_at": "2021-09-16",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "NC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/skip-oneal/",
        "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://www.highlandsmortgage.com/agents/skip-oneal/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "http://www.linkedin.com/in/skip-o-neal-765403126",
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/skip-oneal/",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "30",
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/skip-oneal/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Closed over $600 Million in mortgage loans",
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/skip-oneal/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "Bachelor of Science Degree from Harding University",
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/skip-oneal/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 07:14:36.770386+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/earl-o-neal-91400#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.highlandsmortgage.com/agents/skip-oneal/",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": {
      "date": "2021-09-16",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2021,
      "state": "FL"
    },
    "federal_registration": null
  }
}