{
  "canonical_url": "https://lendb.ai/lo/joell-stiner-836922",
  "loan_officer": {
    "nmls_id": 836922,
    "slug": "joell-stiner-836922",
    "canonical_url": "https://lendb.ai/lo/joell-stiner-836922",
    "md_url": "https://lendb.ai/lo/joell-stiner-836922.md",
    "json_url": "https://lendb.ai/lo/joell-stiner-836922.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/836922",
    "full_name": {
      "value": "Joell Stiner",
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/Joell-Stiner",
      "verified_at": "2026-10-11"
    },
    "first_name": "Joell",
    "last_name": "Stiner",
    "headshot_url": {
      "value": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/Production_11972_Joell_Stiner",
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/Joell-Stiner",
      "verified_at": "2026-10-11"
    },
    "bio": {
      "value": "Joell Stiner is a Reno-based lender with experience across market cycles, rate patterns and the new construction process in Northern Nevada.",
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/Joell-Stiner",
      "verified_at": "2026-10-11"
    },
    "title": {
      "value": "Senior Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/Joell-Stiner",
      "verified_at": "2026-10-11"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/Joell-Stiner",
      "verified_at": "2026-10-11"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 1820,
      "lender_name": "CMG Home Loans",
      "lender_slug": "cmg-home-loans-1820",
      "branch_city": "Reno",
      "branch_state": "NV",
      "branch_zip": "89511",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.cmghomeloans.com/mysite/Joell-Stiner",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/Joell-Stiner",
      "verified_at": "2026-10-11"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1820,
        "lender_name": "CMG Home Loans",
        "lender_slug": "cmg-home-loans-1820",
        "branch_city": "Reno",
        "branch_state": "NV",
        "branch_zip": "89511",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/Joell-Stiner",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/Joell-Stiner",
        "verified_at": "2026-10-11"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO49577",
        "status": "expired",
        "issued_at": "2018-01-09",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/Joell-Stiner",
        "verified_at": "2026-10-11",
        "confidence": "lender_reported"
      },
      {
        "state": "NV",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/Joell-Stiner",
        "verified_at": "2026-10-11",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "service_area",
        "value": "Reno market",
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/Joell-Stiner",
        "verified_at": "2026-10-11"
      },
      {
        "kind": "other",
        "value": "Experience across the new construction process",
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/Joell-Stiner",
        "verified_at": "2026-10-11"
      }
    ],
    "last_verified_at": "2026-10-11",
    "updated_at": "2026-10-11 16:42:19.346785+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/joell-stiner-836922#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.cmghomeloans.com/mysite/Joell-Stiner",
      "verified_at": "2026-10-11"
    },
    "earliest_license_record": {
      "date": "2018-01-09",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2018,
      "state": "FL"
    },
    "federal_registration": null
  }
}