{
  "canonical_url": "https://lendb.ai/lo/elliot-gambrell-2369132",
  "lede": {
    "text": "Elliot Gambrell (NMLS 2369132) is an Executive Loan Officer at INDEPENDENCE HOME LOANS LLC, licensed in Florida since 2022 and in Oregon, California and Maryland. Elliot's focus, from their own profile, includes FHA loan, reverse mortgage and VA loan.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Elliot licensed in Florida?",
      "a": "Yes. Florida regulator records list license LO113582 as active, first effective September 26, 2022 (verified 2026-10-15). LenDb has 3 other states on file for Elliot.",
      "fields": [
        "licenses"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
      "verified_at": "2026-10-15"
    },
    {
      "q": "Does Elliot do FHA loans?",
      "a": "Elliot's profile lists FHA loan as a focus (from their lender profile page). It also lists reverse mortgage and VA loan.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://independencehl.com/elliot-gambrell/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Elliot work for?",
      "a": "INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://independencehl.com/elliot-gambrell/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Elliot been licensed?",
      "a": "The earliest state license record LenDb holds for Elliot is from September 26, 2022 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
      "verified_at": "2026-10-15"
    }
  ],
  "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": 2369132,
    "slug": "elliot-gambrell-2369132",
    "canonical_url": "https://lendb.ai/lo/elliot-gambrell-2369132",
    "md_url": "https://lendb.ai/lo/elliot-gambrell-2369132.md",
    "json_url": "https://lendb.ai/lo/elliot-gambrell-2369132.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2369132",
    "full_name": {
      "value": "Elliot Gambrell",
      "source": "lender_site",
      "source_url": "https://independencehl.com/elliot-gambrell/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Elliot",
    "last_name": "Gambrell",
    "licensed_names": [
      {
        "name": "Elliot Gambrell",
        "name_with_middle_initial": "Elliot L. Gambrell",
        "first_name": "Elliot",
        "middle_initial": "L",
        "last_name": "Gambrell",
        "states": [
          "CA",
          "FL",
          "MD",
          "OR"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-26"
      }
    ],
    "headshot_url": {
      "value": "https://independencehl.com/wp-content/uploads/2025/06/ElliotGambrellWebsite-350x350.png",
      "source": "lender_site",
      "source_url": "https://independencehl.com/elliot-gambrell/",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Executive Loan Officer",
      "source": "lender_site",
      "source_url": "https://independencehl.com/elliot-gambrell/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://independencehl.com/elliot-gambrell/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 2524174,
      "lender_name": "INDEPENDENCE HOME LOANS LLC",
      "lender_slug": "independence-home-loans-llc-2524174",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://independencehl.com/elliot-gambrell/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://independencehl.com/elliot-gambrell/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2524174,
        "lender_name": "INDEPENDENCE HOME LOANS LLC",
        "lender_slug": "independence-home-loans-llc-2524174",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://independencehl.com/elliot-gambrell/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://independencehl.com/elliot-gambrell/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO113582",
        "status": "active",
        "issued_at": "2022-09-26",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": "2369132",
        "status": "active",
        "issued_at": "2024-02-15",
        "source": "state_regulator",
        "source_url": "https://dfr.oregon.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "or"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DFPI2369132",
        "status": "active",
        "issued_at": "2022-11-07",
        "source": "state_regulator",
        "source_url": "https://dfpi.ca.gov/",
        "verified_at": "2026-10-24",
        "confidence": "confirmed",
        "regulator": "ca_dfpi",
        "regulator_name": "California Department of Financial Protection and Innovation"
      },
      {
        "state": "MD",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.labor.maryland.gov/finance/",
        "verified_at": "2026-10-26",
        "confidence": "confirmed",
        "regulator": "md"
      }
    ],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://independencehl.com/elliot-gambrell/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://independencehl.com/elliot-gambrell/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://independencehl.com/elliot-gambrell/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "education",
        "value": "Bachelor of Information Science, University of Maryland",
        "source": "lender_site",
        "source_url": "https://independencehl.com/elliot-gambrell/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-26 20:25:00.137651+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/elliot-gambrell-2369132#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://independencehl.com/elliot-gambrell/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2022-09-26",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2022,
      "state": "FL"
    },
    "federal_registration": null
  }
}