{
  "canonical_url": "https://lendb.ai/lo/philbert-wilson-1159994",
  "loan_officer": {
    "nmls_id": 1159994,
    "slug": "philbert-wilson-1159994",
    "canonical_url": "https://lendb.ai/lo/philbert-wilson-1159994",
    "md_url": "https://lendb.ai/lo/philbert-wilson-1159994.md",
    "json_url": "https://lendb.ai/lo/philbert-wilson-1159994.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1159994",
    "full_name": {
      "value": "Philbert Wilson",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/philbert-wilson-1159994",
      "verified_at": "2026-10-09"
    },
    "first_name": "Philbert",
    "last_name": "Wilson",
    "headshot_url": {
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      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/philbert-wilson-1159994",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Philbert Wilson brings 13 years of commercial driving and auto dealer experience to mortgage lending, with a Bachelor's degree in Multidisciplinary Studies (Management). Specializes in first-time buyers, refinancing, and commercial real estate financing.",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/philbert-wilson-1159994",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/philbert-wilson-1159994",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/philbert-wilson-1159994",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
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      "lender_name": "Loan Factory",
      "lender_slug": "loan-factory-320841",
      "branch_city": null,
      "branch_state": "PA",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/philbert-wilson-1159994",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/philbert-wilson-1159994",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 320841,
        "lender_name": "Loan Factory",
        "lender_slug": "loan-factory-320841",
        "branch_city": null,
        "branch_state": "PA",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/philbert-wilson-1159994",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/philbert-wilson-1159994",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "PA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/philbert-wilson-1159994",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/philbert-wilson-1159994",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "13 years as a Class A commercial driver",
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/philbert-wilson-1159994",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Licensed auto dealer since 2009 with One Way Auto",
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/philbert-wilson-1159994",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 06:14:58.05949+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/philbert-wilson-1159994#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.loanfactory.com/mortgage-expert/philbert-wilson-1159994",
      "verified_at": "2026-10-09"
    },
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    "federal_registration": null
  }
}