{
  "canonical_url": "https://lendb.ai/lo/robert-bates-191832",
  "loan_officer": {
    "nmls_id": 191832,
    "slug": "robert-bates-191832",
    "canonical_url": "https://lendb.ai/lo/robert-bates-191832",
    "md_url": "https://lendb.ai/lo/robert-bates-191832.md",
    "json_url": "https://lendb.ai/lo/robert-bates-191832.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/191832",
    "full_name": {
      "value": "Robert Bates",
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/rbates/",
      "verified_at": "2026-10-09"
    },
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    "last_name": "Bates",
    "headshot_url": {
      "value": "https://alcova.com/wp-content/uploads/2024/08/Robert_Bates.png",
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/rbates/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Robert has extensive mortgage industry experience and specializes in a wide range of loan programs including conventional, FHA, VA, USDA, Virginia Housing, reverse mortgages, HELOCs, DSCR, and bank statement loans. He is dedicated to finding solutions and tailoring loan options for first-time homebuyers, veterans, and self-employed borrowers.",
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/rbates/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Branch Partner",
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/rbates/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/rbates/",
      "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": "ALCOVA Mortgage",
      "lender_slug": "alcova-mortgage-40508",
      "branch_city": "Hardy",
      "branch_state": "VA",
      "branch_zip": "24101",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://alcova.com/loan-officer/rbates/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/rbates/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 40508,
        "lender_name": "ALCOVA Mortgage",
        "lender_slug": "alcova-mortgage-40508",
        "branch_city": "Hardy",
        "branch_state": "VA",
        "branch_zip": "24101",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://alcova.com/loan-officer/rbates/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/rbates/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "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/rbates/",
        "verified_at": "2026-10-09"
      }
    ],
    "specialties": [
      {
        "slug": "bank-statement",
        "label": "Bank statement loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/rbates/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "dscr",
        "label": "DSCR loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/rbates/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/rbates/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "heloc",
        "label": "HELOC",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/rbates/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/rbates/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/rbates/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/rbates/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/robert-bates-bb37a917/",
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/rbates/",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "credential",
        "value": "Q2 2025 Top Producer",
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/rbates/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Q3 2025 Top Producer",
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/rbates/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Q4 2025 Top Producer",
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/rbates/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Q4 2025 Best Branch",
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/rbates/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Freedom Baptist Church, Harrisonburg Police Foundation, local food pantry nonprofits",
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/rbates/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 10:19:20.671346+00",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/robert-bates-191832#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/rbates/",
      "verified_at": "2026-10-09"
    }
  }
}