{
  "canonical_url": "https://lendb.ai/lo/justin-roach-237509",
  "loan_officer": {
    "nmls_id": 237509,
    "slug": "justin-roach-237509",
    "canonical_url": "https://lendb.ai/lo/justin-roach-237509",
    "md_url": "https://lendb.ai/lo/justin-roach-237509.md",
    "json_url": "https://lendb.ai/lo/justin-roach-237509.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/237509",
    "full_name": {
      "value": "Justin Roach",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/justin-roach-237509",
      "verified_at": "2026-10-09"
    },
    "first_name": "Justin",
    "last_name": "Roach",
    "headshot_url": {
      "value": "https://lh3.googleusercontent.com/hN1V5uhus-ej3flzlvn6dMTuYlO42RZ1VpFHxhx70MQ0F5F5-d44bXrC9Zw3ygNz5a88sMxAUx70Nn1ZADXoUxAhph46ikwjmxY",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/justin-roach-237509",
      "verified_at": "2026-10-09"
    },
    "bio": null,
    "title": {
      "value": "Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/justin-roach-237509",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/justin-roach-237509",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 4,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 40,
    "current_employment": {
      "lender_nmls_id": 320841,
      "lender_name": "Loan Factory",
      "lender_slug": "loan-factory-320841",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/justin-roach-237509",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/justin-roach-237509",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 320841,
        "lender_name": "Loan Factory",
        "lender_slug": "loan-factory-320841",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/justin-roach-237509",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/justin-roach-237509",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO112094",
        "status": "active",
        "issued_at": "2022-08-17",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_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.loanfactory.com/mortgage-expert/justin-roach-237509",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "WA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/justin-roach-237509",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 05:51:30.135671+00",
    "disciplinary_check": "not_checked",
    "gated_contact": null,
    "licensed_since": {
      "year": 2022,
      "state": "FL"
    },
    "federal_registration": null
  }
}