{
  "canonical_url": "https://lendb.ai/lo/michael-jennings-218602",
  "lede": {
    "text": "Michael Jennings (NMLS 218602) is a Loan Officer at Ram Mortgage, LLC in Charlotte, North Carolina, serving North Carolina.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Michael licensed in North Carolina?",
      "a": "Ram Mortgage, LLC's page for Michael lists North Carolina. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access.",
      "fields": [
        "licenses"
      ],
      "source": "lender page",
      "source_url": "https://www.rammtg.com/michael-jennings",
      "verified_at": "2026-10-21"
    },
    {
      "q": "What lender does Michael work for?",
      "a": "Ram Mortgage, LLC, company NMLS 2301828, from the Charlotte, NC office, per the lender's own site (verified 2026-10-21).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.rammtg.com/michael-jennings",
      "verified_at": "2026-10-21"
    },
    {
      "q": "How long has Michael been licensed?",
      "a": "The earliest state license record LenDb holds for Michael is from September 6, 2019 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Michael states 35 years of experience.",
      "fields": [
        "earliest_license_record",
        "years_experience"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
      "verified_at": "2026-10-15"
    }
  ],
  "field_notes": {
    "languages": "Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it."
  },
  "loan_officer": {
    "nmls_id": 218602,
    "slug": "michael-jennings-218602",
    "canonical_url": "https://lendb.ai/lo/michael-jennings-218602",
    "md_url": "https://lendb.ai/lo/michael-jennings-218602.md",
    "json_url": "https://lendb.ai/lo/michael-jennings-218602.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/218602",
    "full_name": {
      "value": "Michael Jennings",
      "source": "lender_site",
      "source_url": "https://www.rammtg.com/michael-jennings",
      "verified_at": "2026-10-21"
    },
    "first_name": "Michael",
    "last_name": "Jennings",
    "licensed_names": [
      {
        "name": "Michael Jennings",
        "name_with_middle_initial": "Michael J. Jennings",
        "first_name": "Michael",
        "middle_initial": "J",
        "last_name": "Jennings",
        "states": [
          "FL"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-09"
      }
    ],
    "headshot_url": {
      "value": "https://kwzoucopgdlhuiaryyuy.supabase.co/storage/v1/object/sign/staff-photos/loan-officers/michael-jennings-michael-jennings.jpg?token=eyJraWQiOiJzdG9yYWdlLXVybC1zaWduaW5nLWtleV8xYzhmYzcyNS1kZTY0LTQwZWEtYjI2Yy1hMzEyZjNlZjViN2IiLCJhbGciOiJIUzI1NiJ9.eyJ1cmwiOiJzdGFmZi1waG90b3MvbG9hbi1vZmZpY2Vycy9taWNoYWVsLWplbm5pbmdzLW1pY2hhZWwtamVubmluZ3MuanBnIiwic2NvcGUiOiJkb3dubG9hZCIsImlhdCI6MTc4NTQyNDcyMiwiZXhwIjoyMTAwNzg0NzIyfQ.1BtMMxfutR1Gxof4o0ywvSBBr634gOlpzrS8xvN7OMY",
      "source": "lender_site",
      "source_url": "https://www.rammtg.com/michael-jennings",
      "verified_at": "2026-10-21"
    },
    "bio": {
      "value": "Michael Jennings is a Loan Officer in Charlotte, NC, licensed in NC. Their profile states 35 years in the mortgage industry and hundreds of closed loans.",
      "source": "lender_site",
      "source_url": "https://www.rammtg.com/michael-jennings",
      "verified_at": "2026-10-21"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.rammtg.com/michael-jennings",
      "verified_at": "2026-10-21"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.rammtg.com/michael-jennings",
      "verified_at": "2026-10-21"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 35,
      "source": "lender_site",
      "source_url": "https://www.rammtg.com/michael-jennings",
      "verified_at": "2026-10-21"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 2301828,
      "lender_name": "Ram Mortgage, LLC",
      "lender_slug": "ram-mortgage-llc-2301828",
      "branch_city": "Charlotte",
      "branch_state": "NC",
      "branch_zip": "28277",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.rammtg.com/michael-jennings",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.rammtg.com/michael-jennings",
      "verified_at": "2026-10-21"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2301828,
        "lender_name": "Ram Mortgage, LLC",
        "lender_slug": "ram-mortgage-llc-2301828",
        "branch_city": "Charlotte",
        "branch_state": "NC",
        "branch_zip": "28277",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.rammtg.com/michael-jennings",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.rammtg.com/michael-jennings",
        "verified_at": "2026-10-21"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO63949",
        "status": "expired",
        "issued_at": "2019-09-06",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "NC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.rammtg.com/michael-jennings",
        "verified_at": "2026-10-21",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "35",
        "source": "lender_site",
        "source_url": "https://www.rammtg.com/michael-jennings",
        "verified_at": "2026-10-21"
      },
      {
        "kind": "other",
        "value": "hundreds of closed loans",
        "source": "lender_site",
        "source_url": "https://www.rammtg.com/michael-jennings",
        "verified_at": "2026-10-21"
      }
    ],
    "last_verified_at": "2026-10-21",
    "updated_at": "2026-10-21 14:58:07.55248+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/michael-jennings-218602#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.rammtg.com/michael-jennings",
      "verified_at": "2026-10-21"
    },
    "earliest_license_record": {
      "date": "2019-09-06",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2019,
      "state": "FL"
    },
    "federal_registration": null
  }
}