{
  "canonical_url": "https://lendb.ai/lo/virgil-davis-1092386",
  "lede": {
    "text": "Virgil Davis, NMLS 1092386, works as a Senior Loan Officer at OM Mortgage, LLC in Tampa, Florida and is licensed in Maryland.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Virgil licensed in Maryland?",
      "a": "Yes. Maryland regulator records list a license as active (verified 2026-10-26). LenDb has 1 other state on file for Virgil.",
      "fields": [
        "licenses"
      ],
      "source": "Maryland state regulator",
      "source_url": "https://www.labor.maryland.gov/finance/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Virgil work for?",
      "a": "OM Mortgage, LLC, company NMLS 1972491, from the Tampa, FL office, per the lender's own site (verified 2026-10-23).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://om-mortgage.com/our-team/virgil-davis/",
      "verified_at": "2026-10-23"
    },
    {
      "q": "How long has Virgil been licensed?",
      "a": "The earliest state license record LenDb holds for Virgil is from June 6, 2017 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
      "verified_at": "2026-10-15"
    }
  ],
  "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": 1092386,
    "slug": "virgil-davis-1092386",
    "canonical_url": "https://lendb.ai/lo/virgil-davis-1092386",
    "md_url": "https://lendb.ai/lo/virgil-davis-1092386.md",
    "json_url": "https://lendb.ai/lo/virgil-davis-1092386.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1092386",
    "full_name": {
      "value": "Virgil Davis",
      "source": "lender_site",
      "source_url": "https://om-mortgage.com/our-team/virgil-davis/",
      "verified_at": "2026-10-23"
    },
    "first_name": "Virgil",
    "last_name": "Davis",
    "licensed_names": [
      {
        "name": "Virgil Davis",
        "name_with_middle_initial": "Virgil H. Davis",
        "first_name": "Virgil",
        "middle_initial": "H",
        "last_name": "Davis",
        "states": [
          "FL",
          "MD"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-26"
      }
    ],
    "headshot_url": null,
    "bio": {
      "value": "Virgil Davis is a Senior Loan Officer licensed in Maryland and Virginia, with a decade plus in home lending. They are especially well-versed in renovation loans and Non-QM loans. They have established relationships in the Greater Baltimore and Washington DC (DMV) areas and hold a Bachelor of Science in Business Administration.",
      "source": "lender_site",
      "source_url": "https://om-mortgage.com/our-team/virgil-davis/",
      "verified_at": "2026-10-23"
    },
    "title": {
      "value": "Senior Loan Officer",
      "source": "lender_site",
      "source_url": "https://om-mortgage.com/our-team/virgil-davis/",
      "verified_at": "2026-10-23"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://om-mortgage.com/our-team/virgil-davis/",
      "verified_at": "2026-10-23"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 1972491,
      "lender_name": "OM Mortgage, LLC",
      "lender_slug": "om-mortgage-llc-1972491",
      "branch_city": "Tampa",
      "branch_state": "FL",
      "branch_zip": "33607",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://om-mortgage.com/our-team/virgil-davis/",
      "lender_type": "other",
      "source": "lender_site",
      "source_url": "https://om-mortgage.com/our-team/virgil-davis/",
      "verified_at": "2026-10-23"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1972491,
        "lender_name": "OM Mortgage, LLC",
        "lender_slug": "om-mortgage-llc-1972491",
        "branch_city": "Tampa",
        "branch_state": "FL",
        "branch_zip": "33607",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://om-mortgage.com/our-team/virgil-davis/",
        "lender_type": "other",
        "source": "lender_site",
        "source_url": "https://om-mortgage.com/our-team/virgil-davis/",
        "verified_at": "2026-10-23"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO44155",
        "status": "expired",
        "issued_at": "2017-06-06",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "MD",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.labor.maryland.gov/finance/",
        "verified_at": "2026-10-26",
        "confidence": "confirmed",
        "regulator": "md"
      },
      {
        "state": "VA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://om-mortgage.com/our-team/virgil-davis/",
        "verified_at": "2026-10-23",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "over 10",
        "source": "lender_site",
        "source_url": "https://om-mortgage.com/our-team/virgil-davis/",
        "verified_at": "2026-10-23"
      },
      {
        "kind": "education",
        "value": "Bachelor of Science in Business Administration, North Carolina A&T State University",
        "source": "lender_site",
        "source_url": "https://om-mortgage.com/our-team/virgil-davis/",
        "verified_at": "2026-10-23"
      },
      {
        "kind": "education",
        "value": "Master of Business Administration, Webster University",
        "source": "lender_site",
        "source_url": "https://om-mortgage.com/our-team/virgil-davis/",
        "verified_at": "2026-10-23"
      },
      {
        "kind": "credential",
        "value": "Licenses as a Title Producer and Life Insurance",
        "source": "lender_site",
        "source_url": "https://om-mortgage.com/our-team/virgil-davis/",
        "verified_at": "2026-10-23"
      },
      {
        "kind": "service_area",
        "value": "Greater Baltimore and Washington DC (DMV) areas",
        "source": "lender_site",
        "source_url": "https://om-mortgage.com/our-team/virgil-davis/",
        "verified_at": "2026-10-23"
      },
      {
        "kind": "other",
        "value": "20 years of corporate and Fortune 500 business experience before mortgage lending",
        "source": "lender_site",
        "source_url": "https://om-mortgage.com/our-team/virgil-davis/",
        "verified_at": "2026-10-23"
      }
    ],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-26 20:25:00.137651+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/virgil-davis-1092386#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://om-mortgage.com/our-team/virgil-davis/",
      "verified_at": "2026-10-23"
    },
    "earliest_license_record": {
      "date": "2017-06-06",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2017,
      "state": "FL"
    },
    "federal_registration": null
  }
}