{
  "canonical_url": "https://lendb.ai/lo/veronica-amato-1048370",
  "loan_officer": {
    "nmls_id": 1048370,
    "slug": "veronica-amato-1048370",
    "canonical_url": "https://lendb.ai/lo/veronica-amato-1048370",
    "md_url": "https://lendb.ai/lo/veronica-amato-1048370.md",
    "json_url": "https://lendb.ai/lo/veronica-amato-1048370.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1048370",
    "full_name": {
      "value": "Veronica Amato",
      "source": "lender_site",
      "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/veronica-amato",
      "verified_at": "2026-10-17"
    },
    "first_name": "Veronica",
    "last_name": "Amato",
    "headshot_url": {
      "value": "https://www.fmbankva.com/assets/files/GBQGw22x/VeronicaAmato.jpg",
      "source": "lender_site",
      "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/veronica-amato",
      "verified_at": "2026-10-17"
    },
    "bio": null,
    "title": {
      "value": "Senior Mortgage Advisor - Bilingual (English, Spanish)",
      "source": "lender_site",
      "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/veronica-amato",
      "verified_at": "2026-10-17"
    },
    "languages": {
      "value": [
        "en",
        "es"
      ],
      "source": "lender_site",
      "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/veronica-amato",
      "verified_at": "2026-10-17"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 11,
      "source": "lender_site",
      "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/veronica-amato",
      "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": "Harrisonburg",
      "branch_state": "VA",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/veronica-amato",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/veronica-amato",
      "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": "Harrisonburg",
        "branch_state": "VA",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/veronica-amato",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/veronica-amato",
        "verified_at": "2026-10-17"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "basis": "bio_focus",
        "source": "lender_site",
        "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/veronica-amato",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "11",
        "source": "lender_site",
        "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/veronica-amato",
        "verified_at": "2026-10-17"
      },
      {
        "kind": "service_area",
        "value": "Bridgewater",
        "source": "lender_site",
        "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/veronica-amato",
        "verified_at": "2026-10-17"
      },
      {
        "kind": "service_area",
        "value": "Harrisonburg",
        "source": "lender_site",
        "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/veronica-amato",
        "verified_at": "2026-10-17"
      },
      {
        "kind": "service_area",
        "value": "Rockingham County",
        "source": "lender_site",
        "source_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/veronica-amato",
        "verified_at": "2026-10-17"
      }
    ],
    "last_verified_at": "2026-10-17",
    "updated_at": "2026-10-17 03:42:47.724099+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/veronica-amato-1048370#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/veronica-amato",
      "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"
    }
  }
}