{
  "canonical_url": "https://lendb.ai/lo/joshua-garber-2069930",
  "loan_officer": {
    "nmls_id": 2069930,
    "slug": "joshua-garber-2069930",
    "canonical_url": "https://lendb.ai/lo/joshua-garber-2069930",
    "md_url": "https://lendb.ai/lo/joshua-garber-2069930.md",
    "json_url": "https://lendb.ai/lo/joshua-garber-2069930.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2069930",
    "full_name": {
      "value": "Joshua Garber",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/joshgarber",
      "verified_at": "2026-10-09"
    },
    "first_name": "Joshua",
    "last_name": "Garber",
    "headshot_url": {
      "value": "https://v5.airtableusercontent.com/v3/u/58/58/1791554400000/wrZA421ituV_zyYaxdVpOQ/8Z8mz-yX6TA3waYLjF79tH8SnqfloYQl5w8EHctqsjemPSrZx0hPVDtWilo6ZapExcZcbYXpTtIHV8YEuAVxTCsbDDx1-qhwrBdr9rCI0XsHEfE1ouOKq_O8SaWF8XfG8_MRb3yu3y0aQDvPPIQ3YGZrFP2muxgjuPI5qCwmhAg/yeiiT7ne531-dhwdjE_2SAGE6XlhWu6CoSkOJ4Oi9Uk",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/joshgarber",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Joshua brings leadership and analytical skills from a Fortune 500 background to mortgage lending. He tailors loan solutions for first-time buyers, dream homes, and vacation properties, prioritizing trusted partnerships and clear communication.",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/joshgarber",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/joshgarber",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/joshgarber",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 1839243,
      "lender_name": "Empire Home Loans",
      "lender_slug": "empire-home-loans-1839243",
      "branch_city": "Fair Oaks",
      "branch_state": "CA",
      "branch_zip": "95628",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.empirehomeloans.com/team/joshgarber",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/joshgarber",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1839243,
        "lender_name": "Empire Home Loans",
        "lender_slug": "empire-home-loans-1839243",
        "branch_city": "Fair Oaks",
        "branch_state": "CA",
        "branch_zip": "95628",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.empirehomeloans.com/team/joshgarber",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/joshgarber",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 10:03:22.876014+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/joshua-garber-2069930#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.empirehomeloans.com/team/joshgarber",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}