{
  "canonical_url": "https://lendb.ai/lo/thomas-kerrigan-1408531",
  "loan_officer": {
    "nmls_id": 1408531,
    "slug": "thomas-kerrigan-1408531",
    "canonical_url": "https://lendb.ai/lo/thomas-kerrigan-1408531",
    "md_url": "https://lendb.ai/lo/thomas-kerrigan-1408531.md",
    "json_url": "https://lendb.ai/lo/thomas-kerrigan-1408531.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1408531",
    "full_name": {
      "value": "Thomas Kerrigan",
      "source": "lender_site",
      "source_url": "https://www.libertyhomemortgage.org/lo/thomas-kerrigan",
      "verified_at": "2026-10-15"
    },
    "first_name": "Thomas",
    "last_name": "Kerrigan",
    "headshot_url": {
      "value": "https://cdn.prod.website-files.com/67354d612728f5babcbdccda/673644632fbde207ea6dbf1c_thomas-kerrigan.jpg",
      "source": "lender_site",
      "source_url": "https://www.libertyhomemortgage.org/lo/thomas-kerrigan",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Thomas Kerrigan is a Mortgage Loan Officer with 10 years in mortgage lending. Their page lists AL, FL, GA, KY, MS, OH, PA and WV as states served. They say helping first-time home buyers is what they enjoy most, and they have helped clients with less than perfect credit, construction or repair loans, or self-employment.",
      "source": "lender_site",
      "source_url": "https://www.libertyhomemortgage.org/lo/thomas-kerrigan",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.libertyhomemortgage.org/lo/thomas-kerrigan",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.libertyhomemortgage.org/lo/thomas-kerrigan",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 10,
      "source": "lender_site",
      "source_url": "https://www.libertyhomemortgage.org/lo/thomas-kerrigan",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 1114762,
      "lender_name": "Liberty Home Mortgage Corporation",
      "lender_slug": "liberty-home-mortgage-corporation-1114762",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.libertyhomemortgage.org/lo/thomas-kerrigan",
      "lender_type": "other",
      "source": "lender_site",
      "source_url": "https://www.libertyhomemortgage.org/lo/thomas-kerrigan",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1114762,
        "lender_name": "Liberty Home Mortgage Corporation",
        "lender_slug": "liberty-home-mortgage-corporation-1114762",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.libertyhomemortgage.org/lo/thomas-kerrigan",
        "lender_type": "other",
        "source": "lender_site",
        "source_url": "https://www.libertyhomemortgage.org/lo/thomas-kerrigan",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO36374",
        "status": "active",
        "issued_at": "2016-08-17",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed"
      }
    ],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://www.libertyhomemortgage.org/lo/thomas-kerrigan",
        "verified_at": "2026-10-15"
      }
    ],
    "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": "10",
        "source": "lender_site",
        "source_url": "https://www.libertyhomemortgage.org/lo/thomas-kerrigan",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "education",
        "value": "finance degree and MBA from Ashland University",
        "source": "lender_site",
        "source_url": "https://www.libertyhomemortgage.org/lo/thomas-kerrigan",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "has helped hundreds of families get into their new home",
        "source": "lender_site",
        "source_url": "https://www.libertyhomemortgage.org/lo/thomas-kerrigan",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 18:36:23.244271+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/thomas-kerrigan-1408531#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.libertyhomemortgage.org/lo/thomas-kerrigan",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2016-08-17",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2016,
      "state": "FL"
    },
    "federal_registration": null
  }
}