{
  "canonical_url": "https://lendb.ai/lo/jessica-davila-1771438",
  "lede": {
    "text": "Jessica Davila, NMLS 1771438, works as a Mortgage Loan Origination Officer at Smarter Mortgage LLC in Corpus Christi, Texas and is licensed in Texas since 2022.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Jessica licensed in Texas?",
      "a": "Yes. Texas regulator records list a license as active, first effective May 10, 2022 (verified 2026-10-13).",
      "fields": [
        "licenses"
      ],
      "source": "Texas state regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    {
      "q": "What lender does Jessica work for?",
      "a": "Smarter Mortgage LLC, company NMLS 1817406, from the Corpus Christi, TX office, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://smartermortgagelending.com/jessica-davila/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Jessica been licensed?",
      "a": "The earliest state license record LenDb holds for Jessica is from May 10, 2022 (Texas regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Texas state regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    }
  ],
  "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": 1771438,
    "slug": "jessica-davila-1771438",
    "canonical_url": "https://lendb.ai/lo/jessica-davila-1771438",
    "md_url": "https://lendb.ai/lo/jessica-davila-1771438.md",
    "json_url": "https://lendb.ai/lo/jessica-davila-1771438.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1771438",
    "full_name": {
      "value": "Jessica Davila",
      "source": "state_regulator",
      "source_url": "https://smartermortgagelending.com/jessica-davila/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Jessica",
    "last_name": "Davila",
    "licensed_names": [
      {
        "name": "Jessica Davila",
        "name_with_middle_initial": "Jessica S. Davila",
        "first_name": "Jessica",
        "middle_initial": "S",
        "last_name": "Davila",
        "states": [
          "TX"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-12"
      }
    ],
    "headshot_url": {
      "value": "https://smartermortgagelending.com/wp-content/uploads/2015/09/Screenshot-2025-04-24-at-4.20.05-PM-350x350.webp",
      "source": "state_regulator",
      "source_url": "https://smartermortgagelending.com/jessica-davila/",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Jessica Davila is a Mortgage Loan Origination Officer. They began their career in banking in 2004, moved into consumer lending, then spent 16 years in commercial lending before shifting their focus to the mortgage industry.",
      "source": "state_regulator",
      "source_url": "https://smartermortgagelending.com/jessica-davila/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Mortgage Loan Origination Officer",
      "source": "state_regulator",
      "source_url": "https://smartermortgagelending.com/jessica-davila/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://smartermortgagelending.com/jessica-davila/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 1817406,
      "lender_name": "Smarter Mortgage LLC",
      "lender_slug": "smarter-mortgage-llc-1817406",
      "branch_city": "Corpus Christi",
      "branch_state": "TX",
      "branch_zip": "78412",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://smartermortgagelending.com/jessica-davila/",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://smartermortgagelending.com/jessica-davila/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1817406,
        "lender_name": "Smarter Mortgage LLC",
        "lender_slug": "smarter-mortgage-llc-1817406",
        "branch_city": "Corpus Christi",
        "branch_state": "TX",
        "branch_zip": "78412",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://smartermortgagelending.com/jessica-davila/",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://smartermortgagelending.com/jessica-davila/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2022-05-10",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "other",
        "value": "Banking career since 2004",
        "source": "lender_site",
        "source_url": "https://smartermortgagelending.com/jessica-davila/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "16 years in commercial lending",
        "source": "lender_site",
        "source_url": "https://smartermortgagelending.com/jessica-davila/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 05:36:08.4929+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/jessica-davila-1771438#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://smartermortgagelending.com/jessica-davila/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2022-05-10",
      "state": "TX"
    },
    "licensed_since": {
      "year": 2022,
      "state": "TX"
    },
    "federal_registration": null
  }
}