{
  "canonical_url": "https://lendb.ai/lo/rob-hardy-1069254",
  "lede": {
    "text": "Rob Hardy, NMLS 1069254, works as a Loan Originator at Barrett Financial Group in Chandler, Arizona and is licensed in Oregon since 2021 and in Illinois. Rob's lender page shows a focus on down payment assistance.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Rob licensed in Illinois?",
      "a": "Yes. Illinois regulator records list license 31.0077122 as active, first effective April 7, 2022 (verified 2026-10-28). LenDb has 4 other states on file for Rob.",
      "fields": [
        "licenses"
      ],
      "source": "Illinois state regulator",
      "source_url": "https://idfpr.illinois.gov/banks/resfin.html",
      "verified_at": "2026-10-28"
    },
    {
      "q": "Does Rob do down payment assistance?",
      "a": "Rob's profile lists down payment assistance as a focus (from their lender profile page).",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://www.barrettfinancial.com/rhardy",
      "verified_at": "2026-10-20"
    },
    {
      "q": "What lender does Rob work for?",
      "a": "Barrett Financial Group, company NMLS 181106, from the Chandler, AZ office, per the lender's own site (verified 2026-10-20).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.barrettfinancial.com/rhardy",
      "verified_at": "2026-10-20"
    },
    {
      "q": "How long has Rob been licensed?",
      "a": "The earliest state license record LenDb holds for Rob is from October 28, 2021 (Oregon regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Oregon state regulator",
      "source_url": "https://dfr.oregon.gov/",
      "verified_at": "2026-10-20"
    }
  ],
  "field_notes": {
    "languages": "Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it."
  },
  "loan_officer": {
    "nmls_id": 1069254,
    "slug": "rob-hardy-1069254",
    "canonical_url": "https://lendb.ai/lo/rob-hardy-1069254",
    "md_url": "https://lendb.ai/lo/rob-hardy-1069254.md",
    "json_url": "https://lendb.ai/lo/rob-hardy-1069254.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1069254",
    "full_name": {
      "value": "Rob Hardy",
      "source": "lender_site",
      "source_url": "https://www.barrettfinancial.com/rhardy",
      "verified_at": "2026-10-20"
    },
    "first_name": "Rob",
    "last_name": "Hardy",
    "licensed_names": [
      {
        "name": "Robert Hardy",
        "name_with_middle_initial": "Robert A. Hardy",
        "first_name": "Robert",
        "middle_initial": "A",
        "last_name": "Hardy",
        "states": [
          "OR"
        ],
        "source": "state_regulator",
        "as_of": "2026-06-30"
      },
      {
        "name": "Robert Hardy",
        "name_with_middle_initial": null,
        "first_name": "Robert",
        "middle_initial": null,
        "last_name": "Hardy",
        "states": [
          "IL"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-27"
      }
    ],
    "headshot_url": {
      "value": "https://di1v4rx98wr59.cloudfront.net/0a4e3d21ffa3b/f7d089f3ee07d1cd126288985bd3cb945e4ca771.png",
      "source": "lender_site",
      "source_url": "https://www.barrettfinancial.com/rhardy",
      "verified_at": "2026-10-20"
    },
    "bio": {
      "value": "Rob Hardy is a Loan Originator licensed in IL, IN, NV, OR and WA. They say they have several years working in mortgage lending and specialize in Down Payment Assistance programs. They say they serve Las Vegas, Henderson and Reno.",
      "source": "lender_site",
      "source_url": "https://www.barrettfinancial.com/rhardy",
      "verified_at": "2026-10-20"
    },
    "title": {
      "value": "Loan Originator",
      "source": "lender_site",
      "source_url": "https://www.barrettfinancial.com/rhardy",
      "verified_at": "2026-10-20"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.barrettfinancial.com/rhardy",
      "verified_at": "2026-10-20"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 181106,
      "lender_name": "Barrett Financial Group",
      "lender_slug": "barrett-financial-181106",
      "branch_city": "Chandler",
      "branch_state": "AZ",
      "branch_zip": "85286",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.barrettfinancial.com/rhardy",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://www.barrettfinancial.com/rhardy",
      "verified_at": "2026-10-20"
    },
    "employment_history": [
      {
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "lender_slug": "barrett-financial-181106",
        "branch_city": "Chandler",
        "branch_state": "AZ",
        "branch_zip": "85286",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.barrettfinancial.com/rhardy",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/rhardy",
        "verified_at": "2026-10-20"
      }
    ],
    "licenses": [
      {
        "state": "IL",
        "license_type": "state_license",
        "license_number": "31.0077122",
        "status": "active",
        "issued_at": "2022-04-07",
        "source": "state_regulator",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html",
        "verified_at": "2026-10-28",
        "confidence": "confirmed",
        "regulator": "il"
      },
      {
        "state": "IN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/rhardy",
        "verified_at": "2026-10-20",
        "confidence": "lender_reported"
      },
      {
        "state": "NV",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/rhardy",
        "verified_at": "2026-10-20",
        "confidence": "lender_reported"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2021-10-28",
        "source": "state_regulator",
        "source_url": "https://dfr.oregon.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "or"
      },
      {
        "state": "WA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/rhardy",
        "verified_at": "2026-10-20",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "down-payment-assistance",
        "label": "Down payment assistance",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/rhardy",
        "verified_at": "2026-10-20"
      }
    ],
    "lender_offers": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "heloc",
        "label": "HELOC",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "non-qm",
        "label": "Non-QM loan",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/robert-hardy-488ba811a/",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/rhardy",
        "verified_at": "2026-10-20"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "service_area",
        "value": "Las Vegas, Henderson, Reno",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/rhardy",
        "verified_at": "2026-10-20"
      }
    ],
    "last_verified_at": "2026-10-28",
    "updated_at": "2026-10-28 14:33:10.461673+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/rob-hardy-1069254#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.barrettfinancial.com/rhardy",
      "verified_at": "2026-10-20"
    },
    "earliest_license_record": {
      "date": "2021-10-28",
      "state": "OR"
    },
    "licensed_since": {
      "year": 2021,
      "state": "OR"
    },
    "federal_registration": null
  }
}