{
  "canonical_url": "https://lendb.ai/lo/tim-dugan-459793",
  "loan_officer": {
    "nmls_id": 459793,
    "slug": "tim-dugan-459793",
    "canonical_url": "https://lendb.ai/lo/tim-dugan-459793",
    "md_url": "https://lendb.ai/lo/tim-dugan-459793.md",
    "json_url": "https://lendb.ai/lo/tim-dugan-459793.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/459793",
    "full_name": {
      "value": "Tim Dugan",
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/timothy-dugan",
      "verified_at": "2026-10-11"
    },
    "first_name": "Tim",
    "last_name": "Dugan",
    "headshot_url": {
      "value": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/Production_10797_Timothy_Dugan",
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/timothy-dugan",
      "verified_at": "2026-10-11"
    },
    "bio": {
      "value": "Tim has over 30 years of mortgage industry experience and focuses on streamlined loan approvals. Listed focus areas include first-time purchases and jumbo or bridge loans.",
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/timothy-dugan",
      "verified_at": "2026-10-11"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/timothy-dugan",
      "verified_at": "2026-10-11"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/timothy-dugan",
      "verified_at": "2026-10-11"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 30,
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/timothy-dugan",
      "verified_at": "2026-10-11"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 1820,
      "lender_name": "CMG Home Loans",
      "lender_slug": "cmg-home-loans-1820",
      "branch_city": "Santa Barbara",
      "branch_state": "CA",
      "branch_zip": "93101",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.cmghomeloans.com/mysite/timothy-dugan",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/timothy-dugan",
      "verified_at": "2026-10-11"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1820,
        "lender_name": "CMG Home Loans",
        "lender_slug": "cmg-home-loans-1820",
        "branch_city": "Santa Barbara",
        "branch_state": "CA",
        "branch_zip": "93101",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/timothy-dugan",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/timothy-dugan",
        "verified_at": "2026-10-11"
      }
    ],
    "licenses": [],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "30",
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/timothy-dugan",
        "verified_at": "2026-10-11"
      }
    ],
    "last_verified_at": "2026-10-11",
    "updated_at": "2026-10-11 16:46:03.233903+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/tim-dugan-459793#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.cmghomeloans.com/mysite/timothy-dugan",
      "verified_at": "2026-10-11"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}