{
  "canonical_url": "https://lendb.ai/lo/tonja-armentrout-510632",
  "lede": {
    "text": "Tonja Armentrout (NMLS 510632) is a Senior Mortgage Advisor at Farmers & Merchants Bank (VA), serving North Carolina, Virginia and West Virginia. Tonja's focus, from their own profile, includes construction loan, FHA loan and renovation loan (203k / HomeStyle).",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Tonja licensed in North Carolina?",
      "a": "Farmers & Merchants Bank (VA)'s page for Tonja lists North Carolina. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access. LenDb has 2 other states on file for Tonja.",
      "fields": [
        "licenses"
      ],
      "source": "lender page",
      "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout",
      "verified_at": "2026-10-17"
    },
    {
      "q": "Does Tonja do construction loans?",
      "a": "Tonja's profile lists construction loan as a focus (from their lender profile page). It also lists FHA loan, renovation loan (203k / HomeStyle) and USDA loan.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Tonja work for?",
      "a": "Farmers & Merchants Bank (VA), company NMLS 414464, per the lender's own site (verified 2026-10-17).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout",
      "verified_at": "2026-10-17"
    },
    {
      "q": "How much experience does Tonja have?",
      "a": "Tonja states 18 years of experience.",
      "fields": [
        "years_experience"
      ],
      "source": "the loan officer's own statement",
      "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout",
      "verified_at": "2026-10-17"
    }
  ],
  "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": 510632,
    "slug": "tonja-armentrout-510632",
    "canonical_url": "https://lendb.ai/lo/tonja-armentrout-510632",
    "md_url": "https://lendb.ai/lo/tonja-armentrout-510632.md",
    "json_url": "https://lendb.ai/lo/tonja-armentrout-510632.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/510632",
    "full_name": {
      "value": "Tonja Armentrout",
      "source": "lender_site",
      "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout",
      "verified_at": "2026-10-17"
    },
    "first_name": "Tonja",
    "last_name": "Armentrout",
    "headshot_url": {
      "value": "https://www.fmbankva.com/assets/files/wtznNrCn/TonjaArmentrout.jpg",
      "source": "lender_site",
      "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout",
      "verified_at": "2026-10-17"
    },
    "bio": null,
    "title": {
      "value": "Senior Mortgage Advisor",
      "source": "lender_site",
      "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout",
      "verified_at": "2026-10-17"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout",
      "verified_at": "2026-10-17"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 18,
      "source": "lender_site",
      "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout",
      "verified_at": "2026-10-17"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 414464,
      "lender_name": "Farmers & Merchants Bank (VA)",
      "lender_slug": "farmers-merchants-bank-414464",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout",
      "verified_at": "2026-10-17"
    },
    "employment_history": [
      {
        "lender_nmls_id": 414464,
        "lender_name": "Farmers & Merchants Bank (VA)",
        "lender_slug": "farmers-merchants-bank-414464",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout",
        "verified_at": "2026-10-17"
      }
    ],
    "licenses": [
      {
        "state": "NC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout",
        "verified_at": "2026-10-17",
        "confidence": "lender_reported"
      },
      {
        "state": "VA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout",
        "verified_at": "2026-10-17",
        "confidence": "lender_reported"
      },
      {
        "state": "WV",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout",
        "verified_at": "2026-10-17",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "construction",
        "label": "Construction loan",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "18",
        "source": "lender_site",
        "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout",
        "verified_at": "2026-10-17"
      },
      {
        "kind": "service_area",
        "value": "Shenandoah Valley and surrounding counties, including Rockingham, Augusta, and Shenandoah",
        "source": "lender_site",
        "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout",
        "verified_at": "2026-10-17"
      },
      {
        "kind": "service_area",
        "value": "Augusta County, Elkton, Harrisonburg, Rockingham County, Staunton",
        "source": "lender_site",
        "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout",
        "verified_at": "2026-10-17"
      },
      {
        "kind": "community",
        "value": "Board member of the local builders association",
        "source": "lender_site",
        "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout",
        "verified_at": "2026-10-17"
      },
      {
        "kind": "other",
        "value": "Works with an in-house underwriting team",
        "source": "lender_site",
        "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout",
        "verified_at": "2026-10-17"
      }
    ],
    "last_verified_at": "2026-10-17",
    "updated_at": "2026-10-17 03:43:04.164778+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/tonja-armentrout-510632#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.fmbankva.com/mortgage/schedule-an-appointment/tonja-armentrout",
      "verified_at": "2026-10-17"
    },
    "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"
    }
  }
}