{
  "canonical_url": "https://lendb.ai/lo/ken-holt-1367244",
  "loan_officer": {
    "nmls_id": 1367244,
    "slug": "ken-holt-1367244",
    "canonical_url": "https://lendb.ai/lo/ken-holt-1367244",
    "md_url": "https://lendb.ai/lo/ken-holt-1367244.md",
    "json_url": "https://lendb.ai/lo/ken-holt-1367244.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1367244",
    "full_name": {
      "value": "Ken Holt",
      "source": "lender_site",
      "source_url": "https://mortgage.usbank.com/mo/earth-city/ken-holt-1367244",
      "verified_at": "2026-10-09"
    },
    "first_name": "Ken",
    "last_name": "Holt",
    "headshot_url": {
      "value": "https://dyn.mktgcdn.com/p/ABM0_YLAAVBfbgUrkjM1H6UEy-bh_jEcM5a8445cerQ/width=500,height=500",
      "source": "lender_site",
      "source_url": "https://mortgage.usbank.com/mo/earth-city/ken-holt-1367244",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Ken assists with home refinancing, helping borrowers lower payments, shorten loan terms, switch to fixed rates, or access home equity through HELOCs.",
      "source": "lender_site",
      "source_url": "https://mortgage.usbank.com/mo/earth-city/ken-holt-1367244",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Loan Originator",
      "source": "lender_site",
      "source_url": "https://mortgage.usbank.com/mo/earth-city/ken-holt-1367244",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://mortgage.usbank.com/mo/earth-city/ken-holt-1367244",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 402761,
      "lender_name": "U.S. Bank",
      "lender_slug": "us-bank-402761",
      "branch_city": "Earth City",
      "branch_state": "MO",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://mortgage.usbank.com/mo/earth-city/ken-holt-1367244",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://mortgage.usbank.com/mo/earth-city/ken-holt-1367244",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 402761,
        "lender_name": "U.S. Bank",
        "lender_slug": "us-bank-402761",
        "branch_city": "Earth City",
        "branch_state": "MO",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://mortgage.usbank.com/mo/earth-city/ken-holt-1367244",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://mortgage.usbank.com/mo/earth-city/ken-holt-1367244",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "heloc",
        "label": "HELOC",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://mortgage.usbank.com/mo/earth-city/ken-holt-1367244",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "service_area",
        "value": "Refinancing specialist",
        "source": "lender_site",
        "source_url": "https://mortgage.usbank.com/mo/earth-city/ken-holt-1367244",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 10:21:01.374674+00",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/ken-holt-1367244#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://mortgage.usbank.com/mo/earth-city/ken-holt-1367244",
      "verified_at": "2026-10-09"
    }
  }
}