{
  "canonical_url": "https://lendb.ai/lo/kera-caldwell-1933771",
  "loan_officer": {
    "nmls_id": 1933771,
    "slug": "kera-caldwell-1933771",
    "canonical_url": "https://lendb.ai/lo/kera-caldwell-1933771",
    "md_url": "https://lendb.ai/lo/kera-caldwell-1933771.md",
    "json_url": "https://lendb.ai/lo/kera-caldwell-1933771.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1933771",
    "full_name": {
      "value": "Kera Caldwell",
      "source": "state_regulator",
      "source_url": "https://newfed.com/loan-officers/kera-caldwell/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Kera",
    "last_name": "Caldwell",
    "headshot_url": {
      "value": "https://newfed.com/wp-content/uploads/2026/07/Headshot_Kera-Caldwell-683x1024-1.jpeg",
      "source": "state_regulator",
      "source_url": "https://newfed.com/loan-officers/kera-caldwell/",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Kera Caldwell is a Senior Loan Officer at NewFed Mortgage based in Oklahoma. They were raised in the small town of Pawhuska, and their page describes a commitment to Oklahoma residents.",
      "source": "state_regulator",
      "source_url": "https://newfed.com/loan-officers/kera-caldwell/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Senior Loan Officer",
      "source": "state_regulator",
      "source_url": "https://newfed.com/loan-officers/kera-caldwell/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [
        "en"
      ],
      "source": "state_regulator",
      "source_url": "https://newfed.com/loan-officers/kera-caldwell/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 1881,
      "lender_name": "New Fed Mortgage, Corp.",
      "lender_slug": "new-fed-mortgage-corp-1881",
      "branch_city": null,
      "branch_state": "OK",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://newfed.com/loan-officers/kera-caldwell/",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://newfed.com/loan-officers/kera-caldwell/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1881,
        "lender_name": "New Fed Mortgage, Corp.",
        "lender_slug": "new-fed-mortgage-corp-1881",
        "branch_city": null,
        "branch_state": "OK",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://newfed.com/loan-officers/kera-caldwell/",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://newfed.com/loan-officers/kera-caldwell/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2025-03-21",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/kera-caldwell",
        "source": "lender_site",
        "source_url": "https://newfed.com/loan-officers/kera-caldwell/",
        "verified_at": "2026-10-15"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 17:53:45.700408+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/kera-caldwell-1933771#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://newfed.com/loan-officers/kera-caldwell/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2025-03-21",
      "state": "TX"
    },
    "licensed_since": {
      "year": 2025,
      "state": "TX"
    },
    "federal_registration": null
  }
}