{
  "canonical_url": "https://lendb.ai/lo/joseph-black-135084",
  "loan_officer": {
    "nmls_id": 135084,
    "slug": "joseph-black-135084",
    "canonical_url": "https://lendb.ai/lo/joseph-black-135084",
    "md_url": "https://lendb.ai/lo/joseph-black-135084.md",
    "json_url": "https://lendb.ai/lo/joseph-black-135084.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/135084",
    "full_name": {
      "value": "Joseph Black",
      "source": "lender_site",
      "source_url": "https://www.uhm.com/loan-officers/joseph-black/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Joseph",
    "last_name": "Black",
    "headshot_url": {
      "value": "https://www.uhm.com/media/3068/joseph-black-website.jpg",
      "source": "lender_site",
      "source_url": "https://www.uhm.com/loan-officers/joseph-black/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Joe has over 25 years of homeownership lending experience in western Pennsylvania. As an Army National Guard veteran, he specializes in VA lending and also works with USDA, FHA, and conventional programs.",
      "source": "lender_site",
      "source_url": "https://www.uhm.com/loan-officers/joseph-black/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Branch Manager",
      "source": "lender_site",
      "source_url": "https://www.uhm.com/loan-officers/joseph-black/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.uhm.com/loan-officers/joseph-black/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 25,
      "source": "lender_site",
      "source_url": "https://www.uhm.com/loan-officers/joseph-black/",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 2229,
      "lender_name": "Union Home Mortgage",
      "lender_slug": "union-home-mortgage-2229",
      "branch_city": "Seven Fields",
      "branch_state": "PA",
      "branch_zip": "16046",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.uhm.com/loan-officers/joseph-black/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.uhm.com/loan-officers/joseph-black/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2229,
        "lender_name": "Union Home Mortgage",
        "lender_slug": "union-home-mortgage-2229",
        "branch_city": "Seven Fields",
        "branch_state": "PA",
        "branch_zip": "16046",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.uhm.com/loan-officers/joseph-black/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/joseph-black/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "PA",
        "license_type": "state_license",
        "license_number": "40463",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://data.pa.gov/d/tyxc-jyug",
        "verified_at": "2026-10-10",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "25",
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/joseph-black/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "western Pennsylvania",
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/joseph-black/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Veteran of the Army National Guard",
        "source": "lender_site",
        "source_url": "https://www.uhm.com/loan-officers/joseph-black/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 02:33:14.191703+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/joseph-black-135084#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.uhm.com/loan-officers/joseph-black/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": null
  }
}