{
  "canonical_url": "https://lendb.ai/lo/raymond-heflin-224001",
  "loan_officer": {
    "nmls_id": 224001,
    "slug": "raymond-heflin-224001",
    "canonical_url": "https://lendb.ai/lo/raymond-heflin-224001",
    "md_url": "https://lendb.ai/lo/raymond-heflin-224001.md",
    "json_url": "https://lendb.ai/lo/raymond-heflin-224001.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/224001",
    "full_name": {
      "value": "Raymond Heflin",
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/rheflin/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Raymond",
    "last_name": "Heflin",
    "headshot_url": {
      "value": "https://alcova.com/wp-content/uploads/2024/08/Raymond_Heflin-1.png",
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/rheflin/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Raymond is an Area Branch Partner focused on making clients' dreams come true. He serves MD, NC, VA, and WV.",
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/rheflin/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Area Branch Partner",
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/rheflin/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/rheflin/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 7,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 40508,
      "lender_name": "ALCOVA Mortgage",
      "lender_slug": "alcova-mortgage-40508",
      "branch_city": "Front Royal",
      "branch_state": "VA",
      "branch_zip": "22630",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://alcova.com/loan-officer/rheflin/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/rheflin/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 40508,
        "lender_name": "ALCOVA Mortgage",
        "lender_slug": "alcova-mortgage-40508",
        "branch_city": "Front Royal",
        "branch_state": "VA",
        "branch_zip": "22630",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://alcova.com/loan-officer/rheflin/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/rheflin/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO59667",
        "status": "expired",
        "issued_at": "2019-03-06",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "MD",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/rheflin/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "NC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/rheflin/",
        "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://alcova.com/loan-officer/rheflin/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "WV",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/rheflin/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "community",
        "value": "Supports 4H and Fire softball",
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/rheflin/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 09:13:37.449805+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/raymond-heflin-224001#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://alcova.com/loan-officer/rheflin/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2019,
      "state": "FL"
    },
    "federal_registration": null
  }
}