{
  "canonical_url": "https://lendb.ai/lo/tedd-scarlett-1022104",
  "lede": {
    "text": "Based in Fayetteville, Arkansas, Tedd Scarlett (NMLS 1022104) is a Loan Originator at Eagle Bank and Trust Company. Tedd's focus, from their own profile, includes FHA loan, jumbo loan and USDA loan, and Tedd speaks Spanish.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "specialties",
      "languages"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Tedd licensed?",
      "a": "Tedd works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access.",
      "fields": [
        "federal_registration",
        "current_employment"
      ],
      "source": "employer type in LenDb's lender registry",
      "source_url": null,
      "verified_at": "2026-10-16"
    },
    {
      "q": "Does Tedd do FHA loans?",
      "a": "Tedd's profile lists FHA loan as a focus (from their lender profile page). It also lists jumbo loan, USDA loan and VA loan.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://www.eaglebank.com/lender/tedd-scarlett/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Tedd work for?",
      "a": "Eagle Bank and Trust Company, company NMLS 410317, from the Fayetteville, AR office, per the lender's own site (verified 2026-10-16).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.eaglebank.com/lender/tedd-scarlett/",
      "verified_at": "2026-10-16"
    },
    {
      "q": "What languages does Tedd speak?",
      "a": "Spanish, per their lender page (verified 2026-10-16).",
      "fields": [
        "languages"
      ],
      "source": "lender page",
      "source_url": "https://www.eaglebank.com/lender/tedd-scarlett/",
      "verified_at": "2026-10-16"
    }
  ],
  "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": 1022104,
    "slug": "tedd-scarlett-1022104",
    "canonical_url": "https://lendb.ai/lo/tedd-scarlett-1022104",
    "md_url": "https://lendb.ai/lo/tedd-scarlett-1022104.md",
    "json_url": "https://lendb.ai/lo/tedd-scarlett-1022104.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1022104",
    "full_name": {
      "value": "Tedd Scarlett",
      "source": "lender_site",
      "source_url": "https://www.eaglebank.com/lender/tedd-scarlett/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Tedd",
    "last_name": "Scarlett",
    "headshot_url": {
      "value": "https://www.eaglebank.com/wp-content/uploads/2018/04/ted-scarlett.jpg",
      "source": "lender_site",
      "source_url": "https://www.eaglebank.com/lender/tedd-scarlett/",
      "verified_at": "2026-10-16"
    },
    "bio": null,
    "title": {
      "value": "Loan Originator",
      "source": "lender_site",
      "source_url": "https://www.eaglebank.com/lender/tedd-scarlett/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [
        "es"
      ],
      "source": "lender_site",
      "source_url": "https://www.eaglebank.com/lender/tedd-scarlett/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 410317,
      "lender_name": "Eagle Bank and Trust Company",
      "lender_slug": "eagle-bank-and-trust-company-410317",
      "branch_city": "Fayetteville",
      "branch_state": "AR",
      "branch_zip": "72703",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.eaglebank.com/lender/tedd-scarlett/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.eaglebank.com/lender/tedd-scarlett/",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 410317,
        "lender_name": "Eagle Bank and Trust Company",
        "lender_slug": "eagle-bank-and-trust-company-410317",
        "branch_city": "Fayetteville",
        "branch_state": "AR",
        "branch_zip": "72703",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.eaglebank.com/lender/tedd-scarlett/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.eaglebank.com/lender/tedd-scarlett/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.eaglebank.com/lender/tedd-scarlett/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.eaglebank.com/lender/tedd-scarlett/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.eaglebank.com/lender/tedd-scarlett/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.eaglebank.com/lender/tedd-scarlett/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 1995",
        "source": "lender_site",
        "source_url": "https://www.eaglebank.com/lender/tedd-scarlett/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "education",
        "value": "Bachelor's degree in Pre-Law, Spanish and Literature, University of Nevada",
        "source": "lender_site",
        "source_url": "https://www.eaglebank.com/lender/tedd-scarlett/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 07:44:53.255398+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office"
      ],
      "reveal_url": "https://lendb.ai/lo/tedd-scarlett-1022104#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.eaglebank.com/lender/tedd-scarlett/",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}