{
  "canonical_url": "https://lendb.ai/lo/michael-urban-2106334",
  "loan_officer": {
    "nmls_id": 2106334,
    "slug": "michael-urban-2106334",
    "canonical_url": "https://lendb.ai/lo/michael-urban-2106334",
    "md_url": "https://lendb.ai/lo/michael-urban-2106334.md",
    "json_url": "https://lendb.ai/lo/michael-urban-2106334.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2106334",
    "full_name": {
      "value": "Michael Urban",
      "source": "lender_site",
      "source_url": "https://fhmtg.com/officers/michael-urban/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Michael",
    "last_name": "Urban",
    "headshot_url": {
      "value": "https://fhmtg.com/wp-content/uploads/2026/02/Michael_Urban_500.webp",
      "source": "lender_site",
      "source_url": "https://fhmtg.com/officers/michael-urban/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Senior Loan Officer with extensive residential lending experience based in Tampa, serving the greater Tampa area. Known for clear communication, attention to detail, and guiding clients through complex loan scenarios.",
      "source": "lender_site",
      "source_url": "https://fhmtg.com/officers/michael-urban/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Senior Loan Officer",
      "source": "lender_site",
      "source_url": "https://fhmtg.com/officers/michael-urban/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://fhmtg.com/officers/michael-urban/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 2,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 75,
    "current_employment": {
      "lender_nmls_id": 86548,
      "lender_name": "First Heritage Mortgage",
      "lender_slug": "first-heritage-mortgage-86548",
      "branch_city": "Tampa",
      "branch_state": "FL",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://fhmtg.com/officers/michael-urban/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://fhmtg.com/officers/michael-urban/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 86548,
        "lender_name": "First Heritage Mortgage",
        "lender_slug": "first-heritage-mortgage-86548",
        "branch_city": "Tampa",
        "branch_state": "FL",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://fhmtg.com/officers/michael-urban/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/michael-urban/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO129910",
        "status": "active",
        "issued_at": "2024-07-02",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "GA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/michael-urban/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "NC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/michael-urban/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "VA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/michael-urban/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "service_area",
        "value": "Greater Tampa area",
        "source": "lender_site",
        "source_url": "https://fhmtg.com/officers/michael-urban/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 07:23:03.851687+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office"
      ],
      "reveal_url": "https://lendb.ai/lo/michael-urban-2106334#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://fhmtg.com/officers/michael-urban/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2024,
      "state": "FL"
    },
    "federal_registration": null
  }
}