{
  "canonical_url": "https://lendb.ai/lo/ollie-spears-481156",
  "loan_officer": {
    "nmls_id": 481156,
    "slug": "ollie-spears-481156",
    "canonical_url": "https://lendb.ai/lo/ollie-spears-481156",
    "md_url": "https://lendb.ai/lo/ollie-spears-481156.md",
    "json_url": "https://lendb.ai/lo/ollie-spears-481156.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/481156",
    "full_name": {
      "value": "Ollie Jay Spears",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/ollie-jay-spears",
      "verified_at": "2026-10-09"
    },
    "first_name": "Ollie Jay",
    "last_name": "Spears",
    "headshot_url": {
      "value": "https://www.totalmortgage.com/_next/image?url=https%3A%2F%2Fwww.totalmortgage.com%2Fstatic%2Fuploads%2Fheadshots%2FOllie_Jay_Spears_481156%2FOllie_Jay_Spears_481156_1764093978199_small.jpg&w=640&q=75",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/ollie-jay-spears",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Ollie Jay has been in the mortgage industry since August 1997 with 25+ years of experience across wholesale, sales management, and retail branch management. He has helped nearly 3,000 clients achieve homeownership.",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/ollie-jay-spears",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Divisional Sale Manager",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/ollie-jay-spears",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/ollie-jay-spears",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 2764,
      "lender_name": "Total Mortgage Services",
      "lender_slug": "total-mortgage-services-2764",
      "branch_city": "Pawtucket",
      "branch_state": "RI",
      "branch_zip": "02861",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.totalmortgage.com/bankers/ollie-jay-spears",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/ollie-jay-spears",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2764,
        "lender_name": "Total Mortgage Services",
        "lender_slug": "total-mortgage-services-2764",
        "branch_city": "Pawtucket",
        "branch_state": "RI",
        "branch_zip": "02861",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.totalmortgage.com/bankers/ollie-jay-spears",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/ollie-jay-spears",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO102645",
        "status": "active",
        "issued_at": "2022-02-17",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/ollie-jay-spears-149a1b37",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/ollie-jay-spears",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 1997",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/ollie-jay-spears",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Worked as wholesale account executive, sales manager, and retail branch manager",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/ollie-jay-spears",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Helped nearly 3,000 clients through the home-buying process",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/ollie-jay-spears",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Shares stories on social media of families achieving homeownership; maintains strong relationships with realtors, attorneys, and credit consultants",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/ollie-jay-spears",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 09:05:57.047081+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/ollie-spears-481156#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.totalmortgage.com/bankers/ollie-jay-spears",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": {
      "date": "2022-02-17",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2022,
      "state": "FL"
    },
    "federal_registration": null
  }
}