{
  "canonical_url": "https://lendb.ai/lo/joe-cavanaugh-704351",
  "loan_officer": {
    "nmls_id": 704351,
    "slug": "joe-cavanaugh-704351",
    "canonical_url": "https://lendb.ai/lo/joe-cavanaugh-704351",
    "md_url": "https://lendb.ai/lo/joe-cavanaugh-704351.md",
    "json_url": "https://lendb.ai/lo/joe-cavanaugh-704351.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/704351",
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      "value": "Joe Cavanaugh",
      "source": "lender_site",
      "source_url": "https://bankers.firstcitizens.com/mortgage/nc/raleigh/joe-cavanaugh",
      "verified_at": "2026-10-09"
    },
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    "last_name": "Cavanaugh",
    "headshot_url": {
      "value": "https://dynl.mktgcdn.com/p/NyJrD1AakGO9UmtmmsEqg_0P3JlcFm4OdwiBOriPW-w/196x195.png",
      "source": "lender_site",
      "source_url": "https://bankers.firstcitizens.com/mortgage/nc/raleigh/joe-cavanaugh",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Joe brings over 30 years of mortgage industry experience and has helped thousands of clients from first-time buyers to seasoned investors. He emphasizes integrity, clear communication, and personalized lending solutions tailored to each client's goals.",
      "source": "lender_site",
      "source_url": "https://bankers.firstcitizens.com/mortgage/nc/raleigh/joe-cavanaugh",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Banker",
      "source": "lender_site",
      "source_url": "https://bankers.firstcitizens.com/mortgage/nc/raleigh/joe-cavanaugh",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://bankers.firstcitizens.com/mortgage/nc/raleigh/joe-cavanaugh",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 30,
      "source": "lender_site",
      "source_url": "https://bankers.firstcitizens.com/mortgage/nc/raleigh/joe-cavanaugh",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 503941,
      "lender_name": "First Citizens Bank",
      "lender_slug": "first-citizens-bank-503941",
      "branch_city": "Raleigh",
      "branch_state": "NC",
      "branch_zip": "27601",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/nc/raleigh/joe-cavanaugh",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://bankers.firstcitizens.com/mortgage/nc/raleigh/joe-cavanaugh",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 503941,
        "lender_name": "First Citizens Bank",
        "lender_slug": "first-citizens-bank-503941",
        "branch_city": "Raleigh",
        "branch_state": "NC",
        "branch_zip": "27601",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/nc/raleigh/joe-cavanaugh",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/nc/raleigh/joe-cavanaugh",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "NC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/nc/raleigh/joe-cavanaugh",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "down-payment-assistance",
        "label": "Down payment assistance",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/nc/raleigh/joe-cavanaugh",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/nc/raleigh/joe-cavanaugh",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/nc/raleigh/joe-cavanaugh",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/nc/raleigh/joe-cavanaugh",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "30",
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/nc/raleigh/joe-cavanaugh",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "other",
        "value": "Helped thousands of clients navigate home financing",
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/nc/raleigh/joe-cavanaugh",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 11:23:44.461876+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/joe-cavanaugh-704351#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://bankers.firstcitizens.com/mortgage/nc/raleigh/joe-cavanaugh",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}