{
  "canonical_url": "https://lendb.ai/lo/michelle-ward-2274246",
  "loan_officer": {
    "nmls_id": 2274246,
    "slug": "michelle-ward-2274246",
    "canonical_url": "https://lendb.ai/lo/michelle-ward-2274246",
    "md_url": "https://lendb.ai/lo/michelle-ward-2274246.md",
    "json_url": "https://lendb.ai/lo/michelle-ward-2274246.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2274246",
    "full_name": {
      "value": "Michelle Ward",
      "source": "lender_site",
      "source_url": "https://www.globalcu.org/home-loans/resources/originators/Michelle-Ward/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Michelle",
    "last_name": "Ward",
    "headshot_url": {
      "value": "https://www.globalcu.org/siteassets/images/headshots/aumc-wa/michelle_ward_profile.jpg",
      "source": "lender_site",
      "source_url": "https://www.globalcu.org/home-loans/resources/originators/Michelle-Ward/",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Michelle Ward is a Mortgage Loan Originator in Oak Harbor, Washington. They have worked in the mortgage industry at Global Home for more than 13 years, previously in assistant and processing roles and most recently as Sr. Loan Processor.",
      "source": "lender_site",
      "source_url": "https://www.globalcu.org/home-loans/resources/originators/Michelle-Ward/",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Mortgage Loan Originator",
      "source": "lender_site",
      "source_url": "https://www.globalcu.org/home-loans/resources/originators/Michelle-Ward/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.globalcu.org/home-loans/resources/originators/Michelle-Ward/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 409001,
      "lender_name": "Global Federal Credit Union",
      "lender_slug": "global-federal-credit-union-409001",
      "branch_city": "Oak Harbor",
      "branch_state": "WA",
      "branch_zip": "98277",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.globalcu.org/home-loans/resources/originators/Michelle-Ward/",
      "lender_type": "credit_union",
      "source": "lender_site",
      "source_url": "https://www.globalcu.org/home-loans/resources/originators/Michelle-Ward/",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 409001,
        "lender_name": "Global Federal Credit Union",
        "lender_slug": "global-federal-credit-union-409001",
        "branch_city": "Oak Harbor",
        "branch_state": "WA",
        "branch_zip": "98277",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.globalcu.org/home-loans/resources/originators/Michelle-Ward/",
        "lender_type": "credit_union",
        "source": "lender_site",
        "source_url": "https://www.globalcu.org/home-loans/resources/originators/Michelle-Ward/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "more than 13",
        "source": "lender_site",
        "source_url": "https://www.globalcu.org/home-loans/resources/originators/Michelle-Ward/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "role",
        "value": "Sr. Loan Processor (most recent prior role at Global Home)",
        "source": "lender_site",
        "source_url": "https://www.globalcu.org/home-loans/resources/originators/Michelle-Ward/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 07:38:02.90495+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/michelle-ward-2274246#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.globalcu.org/home-loans/resources/originators/Michelle-Ward/",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "credit_union",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}