{
  "canonical_url": "https://lendb.ai/lo/wendy-phillips-2184515",
  "loan_officer": {
    "nmls_id": 2184515,
    "slug": "wendy-phillips-2184515",
    "canonical_url": "https://lendb.ai/lo/wendy-phillips-2184515",
    "md_url": "https://lendb.ai/lo/wendy-phillips-2184515.md",
    "json_url": "https://lendb.ai/lo/wendy-phillips-2184515.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2184515",
    "full_name": {
      "value": "Wendy Phillips",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/wendy-phillips-mortgage-loan-officer-columbia-sc-29204",
      "verified_at": "2026-10-09"
    },
    "first_name": "Wendy",
    "last_name": "Phillips",
    "headshot_url": {
      "value": "https://www.truist.com/content/dam/profiles/rep/H/H06436_Wendy Phillips.jpg",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/wendy-phillips-mortgage-loan-officer-columbia-sc-29204",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Wendy is committed to making the loan application process transparent and efficient for clients. She prioritizes explaining complex loan concepts in clear language so clients feel confident with their financial commitments.",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/wendy-phillips-mortgage-loan-officer-columbia-sc-29204",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/wendy-phillips-mortgage-loan-officer-columbia-sc-29204",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [
        "en"
      ],
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/wendy-phillips-mortgage-loan-officer-columbia-sc-29204",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 399803,
      "lender_name": "Truist Bank",
      "lender_slug": "truist-399803",
      "branch_city": "Columbia",
      "branch_state": "SC",
      "branch_zip": "29204",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.truist.com/finder/mortgage/wendy-phillips-mortgage-loan-officer-columbia-sc-29204",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.truist.com/finder/mortgage/wendy-phillips-mortgage-loan-officer-columbia-sc-29204",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 399803,
        "lender_name": "Truist Bank",
        "lender_slug": "truist-399803",
        "branch_city": "Columbia",
        "branch_state": "SC",
        "branch_zip": "29204",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.truist.com/finder/mortgage/wendy-phillips-mortgage-loan-officer-columbia-sc-29204",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.truist.com/finder/mortgage/wendy-phillips-mortgage-loan-officer-columbia-sc-29204",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.2,
        "source": "lender_site",
        "source_url": "https://www.truist.com/finder/mortgage/wendy-phillips-mortgage-loan-officer-columbia-sc-29204",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.09,
        "source": "lender_site",
        "source_url": "https://www.truist.com/finder/mortgage/wendy-phillips-mortgage-loan-officer-columbia-sc-29204",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "education",
        "value": "Newberry College, 1992-1996",
        "source": "lender_site",
        "source_url": "https://www.truist.com/finder/mortgage/wendy-phillips-mortgage-loan-officer-columbia-sc-29204",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 12:25:46.674828+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/wendy-phillips-2184515#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.truist.com/finder/mortgage/wendy-phillips-mortgage-loan-officer-columbia-sc-29204",
      "verified_at": "2026-10-09"
    },
    "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"
    }
  }
}