{
  "canonical_url": "https://lendb.ai/lo/katrina-carter-1737872",
  "loan_officer": {
    "nmls_id": 1737872,
    "slug": "katrina-carter-1737872",
    "canonical_url": "https://lendb.ai/lo/katrina-carter-1737872",
    "md_url": "https://lendb.ai/lo/katrina-carter-1737872.md",
    "json_url": "https://lendb.ai/lo/katrina-carter-1737872.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1737872",
    "full_name": {
      "value": "Katrina Carter",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/katrina",
      "verified_at": "2026-10-09"
    },
    "first_name": "Katrina",
    "last_name": "Carter",
    "headshot_url": {
      "value": "https://v5.airtableusercontent.com/v3/u/58/58/1791554400000/0VZrDJ9nMaepqE3S8zolKA/ysz8idpABaGMkgBzs4RoIQLfkxabu7EVZNP67dDV0-L9Y8IXyk-uGLv5om8sfHGeysH1PQLdHHqHBtkqKup5UjPPmkt8xIf7YKEAAXzehKFm0PZ7YmbTbQQ36mGrA7Ksl8S2JuEW4kWsBaWnuiwGPP6XzBO7jyfe85c5lAZdUmg6NnOfQOUa5lPHlLy7QkQN/_QVG_ywa8FgzoK2trS7AlgYHezP4Qm-4CjfvzbHKnDE",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/katrina",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Licensed real estate and mortgage broker with 30+ years of sales and marketing experience. Katrina specializes in East Bay cities (Oakland, San Leandro, Castro Valley, Hayward, San Ramon) and is a real estate investor.",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/katrina",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/katrina",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/katrina",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 30,
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/katrina",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "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/katrina",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/katrina",
      "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/katrina",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/katrina",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/katrina",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "30",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/katrina",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Licensed real estate broker and mortgage broker",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/katrina",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "East Bay area: Oakland, San Leandro, Castro Valley, Hayward, San Ramon; also San Francisco and San Mateo counties",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/katrina",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 09:56:20.659283+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/katrina-carter-1737872#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/katrina",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}