{
  "canonical_url": "https://lendb.ai/lo/carmela-cracchiolo-1156409",
  "loan_officer": {
    "nmls_id": 1156409,
    "slug": "carmela-cracchiolo-1156409",
    "canonical_url": "https://lendb.ai/lo/carmela-cracchiolo-1156409",
    "md_url": "https://lendb.ai/lo/carmela-cracchiolo-1156409.md",
    "json_url": "https://lendb.ai/lo/carmela-cracchiolo-1156409.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1156409",
    "full_name": {
      "value": "Carmela Cracchiolo",
      "source": "state_regulator",
      "source_url": "https://mfmbankers.com/loanofficers/carmela-cracchiolo/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Carmela",
    "last_name": "Cracchiolo",
    "headshot_url": {
      "value": "https://sp-ao.shortpixel.ai/client/to_webp,q_glossy,ret_img,w_600,h_800/https://mfmbankers.com/wp-content/uploads/2026/01/Carmela-Cracchiolo-Site-Headshot-2026-2-600x800.png",
      "source": "state_regulator",
      "source_url": "https://mfmbankers.com/loanofficers/carmela-cracchiolo/",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Mortgage Loan Originator",
      "source": "state_regulator",
      "source_url": "https://mfmbankers.com/loanofficers/carmela-cracchiolo/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://mfmbankers.com/loanofficers/carmela-cracchiolo/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 177308,
      "lender_name": "Meadowbrook Financial Mortgage Bankers Corp.",
      "lender_slug": "meadowbrook-financial-mortgage-bankers-corp-177308",
      "branch_city": "Hicksville",
      "branch_state": "NY",
      "branch_zip": "11801",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://mfmbankers.com/loanofficers/carmela-cracchiolo/",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://mfmbankers.com/loanofficers/carmela-cracchiolo/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 177308,
        "lender_name": "Meadowbrook Financial Mortgage Bankers Corp.",
        "lender_slug": "meadowbrook-financial-mortgage-bankers-corp-177308",
        "branch_city": "Hicksville",
        "branch_state": "NY",
        "branch_zip": "11801",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://mfmbankers.com/loanofficers/carmela-cracchiolo/",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://mfmbankers.com/loanofficers/carmela-cracchiolo/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "NY",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.dfs.ny.gov/",
        "verified_at": "2026-10-14",
        "confidence": "confirmed"
      },
      {
        "state": "CT",
        "license_type": "state_license",
        "license_number": "LO-1156409",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut",
        "verified_at": "2026-10-15",
        "confidence": "confirmed"
      },
      {
        "state": "NJ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://mfmbankers.com/loanofficers/carmela-cracchiolo/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "PA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://mfmbankers.com/loanofficers/carmela-cracchiolo/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/carmela-cracchiolo-9705b2159/",
        "source": "lender_site",
        "source_url": "https://mfmbankers.com/loanofficers/carmela-cracchiolo/",
        "verified_at": "2026-10-15"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "20+",
        "source": "lender_site",
        "source_url": "https://mfmbankers.com/loanofficers/carmela-cracchiolo/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "role",
        "value": "Senior Loan Officer",
        "source": "lender_site",
        "source_url": "https://mfmbankers.com/loanofficers/carmela-cracchiolo/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "role",
        "value": "Branch Manager at United Mortgage (prior)",
        "source": "lender_site",
        "source_url": "https://mfmbankers.com/loanofficers/carmela-cracchiolo/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "role",
        "value": "Senior Underwriter at UNMB Home Loans and Sterling National Bank (prior)",
        "source": "lender_site",
        "source_url": "https://mfmbankers.com/loanofficers/carmela-cracchiolo/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 18:20:11.994468+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/carmela-cracchiolo-1156409#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://mfmbankers.com/loanofficers/carmela-cracchiolo/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}