{
  "canonical_url": "https://lendb.ai/lo/phil-carr-106501",
  "loan_officer": {
    "nmls_id": 106501,
    "slug": "phil-carr-106501",
    "canonical_url": "https://lendb.ai/lo/phil-carr-106501",
    "md_url": "https://lendb.ai/lo/phil-carr-106501.md",
    "json_url": "https://lendb.ai/lo/phil-carr-106501.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/106501",
    "full_name": {
      "value": "Phil Carr",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/phil",
      "verified_at": "2026-10-09"
    },
    "first_name": "Phil",
    "last_name": "Carr",
    "headshot_url": {
      "value": "https://v5.airtableusercontent.com/v3/u/58/58/1791554400000/MCC8q4bz8zpE1vdVjo1ijg/bfKZ78US6AQerQ77rPWj9VHh_Xwu6YWKooSDUztm4qrkEK0-Ijtf2vLHRDdYY92BOeI0KQyE3-Zfh19Os2INxHKYllCo-uHV98vFBxDOle6rpzI-P_T59-je6gh5g_Flg38brTfJzObX2WCKPqPB8tJwcpLPPri6yp6_nEIm12A/xfVc5S914S3eRkqVmWg0qwjGxoRU2IYNeplEukC3vCc",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/phil",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Phil has nearly 40 years in financial services. He specializes in new construction and rehabilitation loans including site-built, modular, and manufactured homes, and is passionate about helping first-time buyers and veterans.",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/phil",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/phil",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/phil",
      "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": 1839243,
      "lender_name": "Empire Home Loans",
      "lender_slug": "empire-home-loans-1839243",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.empirehomeloans.com/team/phil",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/phil",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1839243,
        "lender_name": "Empire Home Loans",
        "lender_slug": "empire-home-loans-1839243",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.empirehomeloans.com/team/phil",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/phil",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/phil",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "manufactured",
        "label": "Manufactured home",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/phil",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "new-construction",
        "label": "New construction",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/phil",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "almost 40 years",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/phil",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "former Builder",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/phil",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 09:56:35.015766+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/phil-carr-106501#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.empirehomeloans.com/team/phil",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}