{
  "canonical_url": "https://lendb.ai/lo/kim-arnos-236048",
  "loan_officer": {
    "nmls_id": 236048,
    "slug": "kim-arnos-236048",
    "canonical_url": "https://lendb.ai/lo/kim-arnos-236048",
    "md_url": "https://lendb.ai/lo/kim-arnos-236048.md",
    "json_url": "https://lendb.ai/lo/kim-arnos-236048.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/236048",
    "full_name": {
      "value": "Kim Arnos",
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/KimArnos",
      "verified_at": "2026-10-09"
    },
    "first_name": "Kim",
    "last_name": "Arnos",
    "headshot_url": {
      "value": "https://a.ruoff.com/image/d51b57098e515adda9c3b4ecdd7a3a44/size/600/type/fullShoulder",
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/KimArnos",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Kim has spent almost 20 years in the mortgage industry specializing in FHA, VA, USDA, conventional, and construction loans. They focus on education and client satisfaction, building relationships on referrals.",
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/KimArnos",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Senior Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/KimArnos",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/KimArnos",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 141868,
      "lender_name": "Ruoff Mortgage",
      "lender_slug": "ruoff-mortgage-141868",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.ruoff.com/KimArnos",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/KimArnos",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 141868,
        "lender_name": "Ruoff Mortgage",
        "lender_slug": "ruoff-mortgage-141868",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.ruoff.com/KimArnos",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/KimArnos",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "construction",
        "label": "Construction loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/KimArnos",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/KimArnos",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/KimArnos",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/KimArnos",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "almost 20",
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/KimArnos",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 07:35:13.517606+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office"
      ],
      "reveal_url": "https://lendb.ai/lo/kim-arnos-236048#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.ruoff.com/KimArnos",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": null
  }
}