{
  "canonical_url": "https://lendb.ai/lo/stephen-smith-1404996",
  "loan_officer": {
    "nmls_id": 1404996,
    "slug": "stephen-smith-1404996",
    "canonical_url": "https://lendb.ai/lo/stephen-smith-1404996",
    "md_url": "https://lendb.ai/lo/stephen-smith-1404996.md",
    "json_url": "https://lendb.ai/lo/stephen-smith-1404996.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1404996",
    "full_name": {
      "value": "Stephen Smith",
      "source": "lender_site",
      "source_url": "https://www.envoymortgage.com/stephen-smith/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Stephen",
    "last_name": "Smith",
    "headshot_url": {
      "value": "https://www.envoymortgage.com/wp-content/uploads/headshots/stephen-smith-1780412643.jpg",
      "source": "lender_site",
      "source_url": "https://www.envoymortgage.com/stephen-smith/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Stephen Smith has over 25 years of experience dedicated to helping clients achieve homeownership. They provide personalized financing solutions tailored to borrowers' needs.",
      "source": "lender_site",
      "source_url": "https://www.envoymortgage.com/stephen-smith/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Originator",
      "source": "lender_site",
      "source_url": "https://www.envoymortgage.com/stephen-smith/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.envoymortgage.com/stephen-smith/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 25,
      "source": "lender_site",
      "source_url": "https://www.envoymortgage.com/stephen-smith/",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 75,
    "current_employment": {
      "lender_nmls_id": 6666,
      "lender_name": "Envoy Mortgage",
      "lender_slug": "envoy-mortgage-6666",
      "branch_city": "Kirkwood",
      "branch_state": "MO",
      "branch_zip": "63122",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.envoymortgage.com/stephen-smith/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.envoymortgage.com/stephen-smith/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 6666,
        "lender_name": "Envoy Mortgage",
        "lender_slug": "envoy-mortgage-6666",
        "branch_city": "Kirkwood",
        "branch_state": "MO",
        "branch_zip": "63122",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.envoymortgage.com/stephen-smith/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.envoymortgage.com/stephen-smith/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "IL",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.envoymortgage.com/stephen-smith/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "KS",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.envoymortgage.com/stephen-smith/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "MI",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.envoymortgage.com/stephen-smith/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "MO",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.envoymortgage.com/stephen-smith/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "OK",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.envoymortgage.com/stephen-smith/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "25",
        "source": "lender_site",
        "source_url": "https://www.envoymortgage.com/stephen-smith/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 09:32:36.726116+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/stephen-smith-1404996#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.envoymortgage.com/stephen-smith/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": null
  }
}