{
  "canonical_url": "https://lendb.ai/lo/tyler-gray-1245563",
  "loan_officer": {
    "nmls_id": 1245563,
    "slug": "tyler-gray-1245563",
    "canonical_url": "https://lendb.ai/lo/tyler-gray-1245563",
    "md_url": "https://lendb.ai/lo/tyler-gray-1245563.md",
    "json_url": "https://lendb.ai/lo/tyler-gray-1245563.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1245563",
    "full_name": {
      "value": "Tyler Gray",
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/tyler-gray",
      "verified_at": "2026-10-09"
    },
    "first_name": "Tyler",
    "last_name": "Gray",
    "headshot_url": null,
    "bio": {
      "value": "Tyler began his mortgage career in 2014 and later moved to private mortgage banking in Santa Barbara, CA. He specializes in helping homebuyers with unique financial situations and prioritizes clear communication and accessibility.",
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/tyler-gray",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/tyler-gray",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/tyler-gray",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 2179191,
      "lender_name": "Xpert Home Lending",
      "lender_slug": "xpert-home-lending-2179191",
      "branch_city": "Santa Barbara",
      "branch_state": "CA",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://xperthomelending.com/loan-directory/tyler-gray",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/tyler-gray",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2179191,
        "lender_name": "Xpert Home Lending",
        "lender_slug": "xpert-home-lending-2179191",
        "branch_city": "Santa Barbara",
        "branch_state": "CA",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/tyler-gray",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/tyler-gray",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "AL",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/tyler-gray",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/tyler-gray",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "TN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/tyler-gray",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "2014",
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/tyler-gray",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Santa Barbara, CA; also serves AL, CA, TN",
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/tyler-gray",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Works with homebuyers with unique financial situations",
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/tyler-gray",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 10:24:38.857167+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/tyler-gray-1245563#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://xperthomelending.com/loan-directory/tyler-gray",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": null
  }
}