{
  "canonical_url": "https://lendb.ai/lo/laura-gardner-308093",
  "loan_officer": {
    "nmls_id": 308093,
    "slug": "laura-gardner-308093",
    "canonical_url": "https://lendb.ai/lo/laura-gardner-308093",
    "md_url": "https://lendb.ai/lo/laura-gardner-308093.md",
    "json_url": "https://lendb.ai/lo/laura-gardner-308093.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/308093",
    "full_name": {
      "value": "Laura Gardner",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/laura-gardner-308093",
      "verified_at": "2026-10-15"
    },
    "first_name": "Laura",
    "last_name": "Gardner",
    "headshot_url": {
      "value": "https://a.mktgcdn.com/p/8HhAT0idR7wFLnu2j2wI2V6ywi0onfLEuEiDD0QG6H0/191x275.png",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/laura-gardner-308093",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Laura Gardner has 36 years of experience and focuses on upsizing, downsizing, and rightsizing moves in the St. Louis area. They hold a Reverse Mortgage certification.",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/laura-gardner-308093",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "VP of Mortgage Lending",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/laura-gardner-308093",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/laura-gardner-308093",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 36,
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/laura-gardner-308093",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 1598647,
      "lender_name": "Guaranteed Rate Affinity, LLC",
      "lender_slug": "guaranteed-rate-affinity-llc-1598647",
      "branch_city": "Town and Country",
      "branch_state": "MO",
      "branch_zip": "63017",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.grarate.com/loan-officers/laura-gardner-308093",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/laura-gardner-308093",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1598647,
        "lender_name": "Guaranteed Rate Affinity, LLC",
        "lender_slug": "guaranteed-rate-affinity-llc-1598647",
        "branch_city": "Town and Country",
        "branch_state": "MO",
        "branch_zip": "63017",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.grarate.com/loan-officers/laura-gardner-308093",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/laura-gardner-308093",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO131243",
        "status": "active",
        "issued_at": "2024-08-21",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed"
      },
      {
        "state": "MO",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/laura-gardner-308093",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/laura-gardner-308093",
        "verified_at": "2026-10-15"
      }
    ],
    "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": "http://www.linkedin.com/in/laura-gardner-3a8865b",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/laura-gardner-308093",
        "verified_at": "2026-10-15"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "36",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/laura-gardner-308093",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "service_area",
        "value": "St. Louis, Ballwin, Town & Country, Ellisville, Manchester, Kirkwood, Webster Groves",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/laura-gardner-308093",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "credential",
        "value": "Reverse Mortgage certification",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/laura-gardner-308093",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "credential",
        "value": "President's Club",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/laura-gardner-308093",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "helped over 3,000 clients",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/laura-gardner-308093",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 15:45:45.876635+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/laura-gardner-308093#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.grarate.com/loan-officers/laura-gardner-308093",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2024-08-21",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2024,
      "state": "FL"
    },
    "federal_registration": null
  }
}