{
  "canonical_url": "https://lendb.ai/lo/lizeth-garzon-1203718",
  "loan_officer": {
    "nmls_id": 1203718,
    "slug": "lizeth-garzon-1203718",
    "canonical_url": "https://lendb.ai/lo/lizeth-garzon-1203718",
    "md_url": "https://lendb.ai/lo/lizeth-garzon-1203718.md",
    "json_url": "https://lendb.ai/lo/lizeth-garzon-1203718.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1203718",
    "full_name": {
      "value": "Liz Garzon",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/liz-garzon-2/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Liz",
    "last_name": "Garzon",
    "headshot_url": {
      "value": "https://www.thefederalsavingsbank.com/wp-content/uploads/2026/06/1203718.jpg",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/liz-garzon-2/",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Liz Garzon has more than 10 years in residential lending and is fluent in English and Spanish. They say they specialize in FHA, VA, Conventional and Jumbo loan programs. Outside of work they enjoy traveling, reading and dancing.",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/liz-garzon-2/",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Mortgage Banker",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/liz-garzon-2/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/liz-garzon-2/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 10,
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/liz-garzon/",
      "verified_at": "2026-10-16"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 40,
    "current_employment": {
      "lender_nmls_id": 411500,
      "lender_name": "The Federal Savings Bank",
      "lender_slug": "the-federal-savings-bank-411500",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.thefederalsavingsbank.com/bankers/liz-garzon-2/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/liz-garzon-2/",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 411500,
        "lender_name": "The Federal Savings Bank",
        "lender_slug": "the-federal-savings-bank-411500",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.thefederalsavingsbank.com/bankers/liz-garzon-2/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/liz-garzon-2/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO113474",
        "status": "active",
        "issued_at": "2022-09-22",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "lender_offers": [
      {
        "slug": "va",
        "label": "VA loan",
        "lender_nmls_id": 411500,
        "lender_name": "The Federal Savings Bank",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/",
        "verified_at": "2026-10-16"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "10",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/liz-garzon/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "role",
        "value": "Loan processing background",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/liz-garzon/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 09:41:02.378599+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/lizeth-garzon-1203718#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.thefederalsavingsbank.com/bankers/liz-garzon/",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": {
      "date": "2022-09-22",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2022,
      "state": "FL"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}