{
  "canonical_url": "https://lendb.ai/lo/natalie-williams-418861",
  "lede": {
    "text": "Natalie Williams (NMLS 418861) is a Residential Loan Officer at Banner Bank in Eagle Point, Oregon. Natalie's own profile lists new construction as a focus.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Natalie licensed?",
      "a": "Natalie works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access.",
      "fields": [
        "federal_registration",
        "current_employment"
      ],
      "source": "employer type in LenDb's lender registry",
      "source_url": null,
      "verified_at": "2026-10-16"
    },
    {
      "q": "Does Natalie work on new construction loans?",
      "a": "Natalie's profile lists new construction as a focus (from their lender profile page).",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://loanofficers.bannerbank.com/or/eagle-point/natalie-williams",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Natalie work for?",
      "a": "Banner Bank, company NMLS 439266, from the Eagle Point, OR office, per the lender's own site (verified 2026-10-16).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://loanofficers.bannerbank.com/or/eagle-point/natalie-williams",
      "verified_at": "2026-10-16"
    }
  ],
  "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": 418861,
    "slug": "natalie-williams-418861",
    "canonical_url": "https://lendb.ai/lo/natalie-williams-418861",
    "md_url": "https://lendb.ai/lo/natalie-williams-418861.md",
    "json_url": "https://lendb.ai/lo/natalie-williams-418861.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/418861",
    "full_name": {
      "value": "Natalie Williams",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/or/eagle-point/natalie-williams",
      "verified_at": "2026-10-16"
    },
    "first_name": "Natalie",
    "last_name": "Williams",
    "headshot_url": {
      "value": "https://a.mktgcdn.com/p/IfP7cfritFRCKv88yyM5Petm-vHwHUF0nqxBt7FtX44/304x375.jpg",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/or/eagle-point/natalie-williams",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Natalie Williams has been in the industry since 2008. Their profile says they especially enjoy the challenges of new construction loans. They previously worked in branch management, coaching, business development and consumer lending, and they volunteer at their children's school and lead a local 4-H chapter.",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/or/eagle-point/natalie-williams",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Residential Loan Officer",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/or/eagle-point/natalie-williams",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/or/eagle-point/natalie-williams",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 439266,
      "lender_name": "Banner Bank",
      "lender_slug": "banner-bank-439266",
      "branch_city": "Eagle Point",
      "branch_state": "OR",
      "branch_zip": "97524",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://loanofficers.bannerbank.com/or/eagle-point/natalie-williams",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/or/eagle-point/natalie-williams",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 439266,
        "lender_name": "Banner Bank",
        "lender_slug": "banner-bank-439266",
        "branch_city": "Eagle Point",
        "branch_state": "OR",
        "branch_zip": "97524",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://loanofficers.bannerbank.com/or/eagle-point/natalie-williams",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://loanofficers.bannerbank.com/or/eagle-point/natalie-williams",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "new-construction",
        "label": "New construction",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://loanofficers.bannerbank.com/or/eagle-point/natalie-williams",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 2008",
        "source": "lender_site",
        "source_url": "https://loanofficers.bannerbank.com/or/eagle-point/natalie-williams",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "role",
        "value": "Branch management (past role)",
        "source": "lender_site",
        "source_url": "https://loanofficers.bannerbank.com/or/eagle-point/natalie-williams",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "community",
        "value": "Volunteers at children's school",
        "source": "lender_site",
        "source_url": "https://loanofficers.bannerbank.com/or/eagle-point/natalie-williams",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 14:07:18.396325+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/natalie-williams-418861#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://loanofficers.bannerbank.com/or/eagle-point/natalie-williams",
      "verified_at": "2026-10-16"
    },
    "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"
    }
  }
}