{
  "canonical_url": "https://lendb.ai/lo/john-ethan-michael-2434229",
  "lede": {
    "text": "John Ethan Michael (NMLS 2434229) is a Loan Officer at Ram Mortgage, LLC in Charlotte, North Carolina, serving Georgia.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses"
    ]
  },
  "quick_answers": [
    {
      "q": "Is John licensed in Georgia?",
      "a": "Ram Mortgage, LLC's page for John lists Georgia. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access.",
      "fields": [
        "licenses"
      ],
      "source": "lender page",
      "source_url": "https://www.rammtg.com/john-michael",
      "verified_at": "2026-10-21"
    },
    {
      "q": "What lender does John work for?",
      "a": "Ram Mortgage, LLC, company NMLS 2301828, from the Charlotte, NC office, per the lender's own site (verified 2026-10-21).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.rammtg.com/john-michael",
      "verified_at": "2026-10-21"
    }
  ],
  "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": 2434229,
    "slug": "john-ethan-michael-2434229",
    "canonical_url": "https://lendb.ai/lo/john-ethan-michael-2434229",
    "md_url": "https://lendb.ai/lo/john-ethan-michael-2434229.md",
    "json_url": "https://lendb.ai/lo/john-ethan-michael-2434229.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2434229",
    "full_name": {
      "value": "John Ethan Michael",
      "source": "lender_site",
      "source_url": "https://www.rammtg.com/john-michael",
      "verified_at": "2026-10-21"
    },
    "first_name": "John",
    "last_name": "Michael",
    "headshot_url": {
      "value": "https://kwzoucopgdlhuiaryyuy.supabase.co/storage/v1/object/sign/staff-photos/loan-officers/john-ethan-michael.jpg?token=eyJraWQiOiJzdG9yYWdlLXVybC1zaWduaW5nLWtleV8xYzhmYzcyNS1kZTY0LTQwZWEtYjI2Yy1hMzEyZjNlZjViN2IiLCJhbGciOiJIUzI1NiJ9.eyJ1cmwiOiJzdGFmZi1waG90b3MvbG9hbi1vZmZpY2Vycy9qb2huLWV0aGFuLW1pY2hhZWwuanBnIiwic2NvcGUiOiJkb3dubG9hZCIsImlhdCI6MTc4MzUxMTg4NCwiZXhwIjoyMDk4ODcxODg0fQ.vFtjxnpmknH4NzIGvov8ZnRMKcZybK9RM5icTiNVImk",
      "source": "lender_site",
      "source_url": "https://www.rammtg.com/john-michael",
      "verified_at": "2026-10-21"
    },
    "bio": null,
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.rammtg.com/john-michael",
      "verified_at": "2026-10-21"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.rammtg.com/john-michael",
      "verified_at": "2026-10-21"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 2301828,
      "lender_name": "Ram Mortgage, LLC",
      "lender_slug": "ram-mortgage-llc-2301828",
      "branch_city": "Charlotte",
      "branch_state": "NC",
      "branch_zip": "28277",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.rammtg.com/john-michael",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.rammtg.com/john-michael",
      "verified_at": "2026-10-21"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2301828,
        "lender_name": "Ram Mortgage, LLC",
        "lender_slug": "ram-mortgage-llc-2301828",
        "branch_city": "Charlotte",
        "branch_state": "NC",
        "branch_zip": "28277",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.rammtg.com/john-michael",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.rammtg.com/john-michael",
        "verified_at": "2026-10-21"
      }
    ],
    "licenses": [
      {
        "state": "GA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.rammtg.com/john-michael",
        "verified_at": "2026-10-21",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-21",
    "updated_at": "2026-10-21 14:55:01.671702+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/john-ethan-michael-2434229#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.rammtg.com/john-michael",
      "verified_at": "2026-10-21"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}