{
  "canonical_url": "https://lendb.ai/lo/rachel-needle-2020874",
  "loan_officer": {
    "nmls_id": 2020874,
    "slug": "rachel-needle-2020874",
    "canonical_url": "https://lendb.ai/lo/rachel-needle-2020874",
    "md_url": "https://lendb.ai/lo/rachel-needle-2020874.md",
    "json_url": "https://lendb.ai/lo/rachel-needle-2020874.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2020874",
    "full_name": {
      "value": "Rachel Needle",
      "source": "lender_site",
      "source_url": "https://www.atlanticcoastmortgage.com/lo/rachel-needle/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Rachel",
    "last_name": "Needle",
    "headshot_url": null,
    "bio": {
      "value": "Rachel serves first-time homebuyers and experienced purchasers across five states. With 20+ years on the East Coast, she focuses on conventional, jumbo, FHA, and VA loans, emphasizing transparent communication and advocacy throughout the mortgage process.",
      "source": "lender_site",
      "source_url": "https://www.atlanticcoastmortgage.com/lo/rachel-needle/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.atlanticcoastmortgage.com/lo/rachel-needle/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.atlanticcoastmortgage.com/lo/rachel-needle/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 643114,
      "lender_name": "Atlantic Coast Mortgage",
      "lender_slug": "atlantic-coast-mortgage-643114",
      "branch_city": "North Bethesda",
      "branch_state": "MD",
      "branch_zip": "20852",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/rachel-needle/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.atlanticcoastmortgage.com/lo/rachel-needle/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 643114,
        "lender_name": "Atlantic Coast Mortgage",
        "lender_slug": "atlantic-coast-mortgage-643114",
        "branch_city": "North Bethesda",
        "branch_state": "MD",
        "branch_zip": "20852",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/rachel-needle/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.atlanticcoastmortgage.com/lo/rachel-needle/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO150964",
        "status": "active",
        "issued_at": "2026-09-15",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.atlanticcoastmortgage.com/lo/rachel-needle/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "DC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.atlanticcoastmortgage.com/lo/rachel-needle/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "MD",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.atlanticcoastmortgage.com/lo/rachel-needle/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "VA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.atlanticcoastmortgage.com/lo/rachel-needle/",
        "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.atlanticcoastmortgage.com/lo/rachel-needle/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/rachelhopeneedle",
        "source": "lender_site",
        "source_url": "https://www.atlanticcoastmortgage.com/lo/rachel-needle/",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "over 20",
        "source": "lender_site",
        "source_url": "https://www.atlanticcoastmortgage.com/lo/rachel-needle/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 07:53:35.973602+00",
    "disciplinary_check": "not_checked",
    "gated_contact": null,
    "earliest_license_record": {
      "date": "2026-09-15",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2026,
      "state": "FL"
    },
    "federal_registration": null
  }
}