{
  "canonical_url": "https://lendb.ai/lo/melissa-shephard-659128",
  "loan_officer": {
    "nmls_id": 659128,
    "slug": "melissa-shephard-659128",
    "canonical_url": "https://lendb.ai/lo/melissa-shephard-659128",
    "md_url": "https://lendb.ai/lo/melissa-shephard-659128.md",
    "json_url": "https://lendb.ai/lo/melissa-shephard-659128.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/659128",
    "full_name": {
      "value": "Melissa Shephard",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/melissa-shephard-mortgage-loan-officer-burlington-nc-27215",
      "verified_at": "2026-10-09"
    },
    "first_name": "Melissa",
    "last_name": "Shephard",
    "headshot_url": {
      "value": "https://www.truist.com/content/dam/profiles/rep/S/Shephard.MelissaN.jpg",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/melissa-shephard-mortgage-loan-officer-burlington-nc-27215",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Melissa Shephard offers over 25 years of industry experience originating purchase and refinance loans. They prioritize honest communication and finding the best loan options tailored to each client's unique financial goals.",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/melissa-shephard-mortgage-loan-officer-burlington-nc-27215",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/melissa-shephard-mortgage-loan-officer-burlington-nc-27215",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [
        "en"
      ],
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/melissa-shephard-mortgage-loan-officer-burlington-nc-27215",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 399803,
      "lender_name": "Truist Bank",
      "lender_slug": "truist-399803",
      "branch_city": "Burlington",
      "branch_state": "NC",
      "branch_zip": "27215",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.truist.com/finder/mortgage/melissa-shephard-mortgage-loan-officer-burlington-nc-27215",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/melissa-shephard-mortgage-loan-officer-burlington-nc-27215",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 399803,
        "lender_name": "Truist Bank",
        "lender_slug": "truist-399803",
        "branch_city": "Burlington",
        "branch_state": "NC",
        "branch_zip": "27215",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.truist.com/finder/mortgage/melissa-shephard-mortgage-loan-officer-burlington-nc-27215",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.truist.com/finder/mortgage/melissa-shephard-mortgage-loan-officer-burlington-nc-27215",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 10:28:57.325833+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/melissa-shephard-659128#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.truist.com/finder/mortgage/melissa-shephard-mortgage-loan-officer-burlington-nc-27215",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}