{
  "canonical_url": "https://lendb.ai/lo/scott-sheppard-16114",
  "loan_officer": {
    "nmls_id": 16114,
    "slug": "scott-sheppard-16114",
    "canonical_url": "https://lendb.ai/lo/scott-sheppard-16114",
    "md_url": "https://lendb.ai/lo/scott-sheppard-16114.md",
    "json_url": "https://lendb.ai/lo/scott-sheppard-16114.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/16114",
    "full_name": {
      "value": "Scott Sheppard",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/scott-sheppard-16114",
      "verified_at": "2026-10-15"
    },
    "first_name": "Scott",
    "last_name": "Sheppard",
    "headshot_url": {
      "value": "https://a.mktgcdn.com/p/YjSghzheVQiL1-4Y7KDPZg3pR57qRYSd0my46V2S4LY/191x275.jpg",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/scott-sheppard-16114",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Scott Sheppard has 19 years of residential lending experience and says they have helped over 6000 customers. They focus on Western PA and make frequent trips to Pittsburgh. They grew up in the Philadelphia suburbs, live in Cherry Hill, NJ, and are active in real estate investing and classic cars.",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/scott-sheppard-16114",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "VP of Mortgage Lending",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/scott-sheppard-16114",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/scott-sheppard-16114",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 19,
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/scott-sheppard-16114",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 1598647,
      "lender_name": "Guaranteed Rate Affinity, LLC",
      "lender_slug": "guaranteed-rate-affinity-llc-1598647",
      "branch_city": "Mount Laurel",
      "branch_state": "NJ",
      "branch_zip": "08054",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.grarate.com/loan-officers/scott-sheppard-16114",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/scott-sheppard-16114",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1598647,
        "lender_name": "Guaranteed Rate Affinity, LLC",
        "lender_slug": "guaranteed-rate-affinity-llc-1598647",
        "branch_city": "Mount Laurel",
        "branch_state": "NJ",
        "branch_zip": "08054",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.grarate.com/loan-officers/scott-sheppard-16114",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/scott-sheppard-16114",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO75574",
        "status": "active",
        "issued_at": "2020-10-09",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed"
      },
      {
        "state": "NY",
        "license_type": "state_license",
        "license_number": null,
        "status": "expired",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.dfs.ny.gov/",
        "verified_at": "2026-10-14",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "19",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/scott-sheppard-16114",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "service_area",
        "value": "Western PA",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/scott-sheppard-16114",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "helped over 6000 customers",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/scott-sheppard-16114",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "over $1B in total loan origination volume",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/scott-sheppard-16114",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 15:45:45.876635+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/scott-sheppard-16114#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.grarate.com/loan-officers/scott-sheppard-16114",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2020-10-09",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2020,
      "state": "FL"
    },
    "federal_registration": null
  }
}