{
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  "loan_officer": {
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    "md_url": "https://lendb.ai/lo/patrick-miller-698968.md",
    "json_url": "https://lendb.ai/lo/patrick-miller-698968.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/698968",
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    },
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    "headshot_url": null,
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      "source": "lender_site",
      "source_url": "https://www.southerntrust.com/pat-miller/",
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    },
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      "source": "lender_site",
      "source_url": "https://www.southerntrust.com/pat-miller/",
      "verified_at": "2026-10-09"
    },
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      "source_url": "https://www.southerntrust.com/pat-miller/",
      "verified_at": "2026-10-09"
    },
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    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 2921,
      "lender_name": "Southern Trust Mortgage",
      "lender_slug": "southern-trust-mortgage-2921",
      "branch_city": "Virginia Beach",
      "branch_state": "VA",
      "branch_zip": "23452",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.southerntrust.com/pat-miller/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.southerntrust.com/pat-miller/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2921,
        "lender_name": "Southern Trust Mortgage",
        "lender_slug": "southern-trust-mortgage-2921",
        "branch_city": "Virginia Beach",
        "branch_state": "VA",
        "branch_zip": "23452",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.southerntrust.com/pat-miller/",
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        "source_url": "https://www.southerntrust.com/pat-miller/",
        "verified_at": "2026-10-09"
      }
    ],
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        "license_type": "state_license",
        "license_number": "LO114420",
        "status": "active",
        "issued_at": "2022-10-20",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-09"
      },
      {
        "state": "NC",
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        "license_number": null,
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        "source_url": "https://www.southerntrust.com/pat-miller/",
        "verified_at": "2026-10-09"
      },
      {
        "state": "VA",
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        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.southerntrust.com/pat-miller/",
        "verified_at": "2026-10-09"
      }
    ],
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      {
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        "label": "Down payment assistance",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.southerntrust.com/pat-miller/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.southerntrust.com/pat-miller/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.southerntrust.com/pat-miller/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.southerntrust.com/pat-miller/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.southerntrust.com/pat-miller/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.southerntrust.com/pat-miller/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://www.southerntrust.com/pat-miller/",
        "verified_at": "2026-10-09"
      }
    ],
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      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/pat-miller-8129556b/",
        "source": "lender_site",
        "source_url": "https://www.southerntrust.com/pat-miller/",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [
      {
        "kind": "video_intro",
        "summary": "Pat has a short recorded video intro on Southern Trust Mortgage's site.",
        "listen_url": "https://www.southerntrust.com/pat-miller/",
        "duration_seconds": null,
        "source": "lender_site",
        "source_url": "https://www.southerntrust.com/pat-miller/",
        "verified_at": "2026-10-09"
      }
    ],
    "facts": [
      {
        "kind": "role",
        "value": "Sr. Loan Officer / Area Sales Manager",
        "source": "lender_site",
        "source_url": "https://www.southerntrust.com/pat-miller/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "North Carolina, Florida, Virginia",
        "source": "lender_site",
        "source_url": "https://www.southerntrust.com/pat-miller/",
        "verified_at": "2026-10-09"
      }
    ],
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    "updated_at": "2026-10-09 05:53:36.887241+00",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/patrick-miller-698968#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.southerntrust.com/pat-miller/",
      "verified_at": "2026-10-09"
    }
  }
}