{
  "canonical_url": "https://lendb.ai/lo/joe-bowers-511139",
  "loan_officer": {
    "nmls_id": 511139,
    "slug": "joe-bowers-511139",
    "canonical_url": "https://lendb.ai/lo/joe-bowers-511139",
    "md_url": "https://lendb.ai/lo/joe-bowers-511139.md",
    "json_url": "https://lendb.ai/lo/joe-bowers-511139.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/511139",
    "full_name": {
      "value": "Joe Bowers",
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/joe-bowers",
      "verified_at": "2026-10-09"
    },
    "first_name": "Joe",
    "last_name": "Bowers",
    "headshot_url": {
      "value": "https://xperthomelending.com/hs-fs/hubfs/Headshots/Processed/Joe-Bowers.webp?width=600&name=Joe-Bowers.webp",
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/joe-bowers",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Joe has 27+ years of mortgage experience with a degree in Finance and certifications in Colorado and Arizona mortgages.",
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/joe-bowers",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/joe-bowers",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/joe-bowers",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 14,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 75,
    "current_employment": {
      "lender_nmls_id": 2179191,
      "lender_name": "Xpert Home Lending",
      "lender_slug": "xpert-home-lending-2179191",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://xperthomelending.com/loan-directory/joe-bowers",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/joe-bowers",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2179191,
        "lender_name": "Xpert Home Lending",
        "lender_slug": "xpert-home-lending-2179191",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/joe-bowers",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/joe-bowers",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "AZ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/joe-bowers",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": "100041366",
        "status": "active",
        "issued_at": "2012-11-21",
        "source": "state_regulator",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=144906&contact=248617",
        "verified_at": "2026-10-10",
        "confidence": "confirmed"
      },
      {
        "state": "KS",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/joe-bowers",
        "verified_at": "2026-10-09",
        "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://xperthomelending.com/loan-directory/joe-bowers",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "27+",
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/joe-bowers",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "degree in Finance",
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/joe-bowers",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "certification in Colorado and Arizona mortgages",
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/joe-bowers",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 10:16:30.652816+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/joe-bowers-511139#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://xperthomelending.com/loan-directory/joe-bowers",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2012,
      "state": "CO"
    },
    "federal_registration": null
  }
}