{
  "canonical_url": "https://lendb.ai/lo/nick-morga-1311632",
  "loan_officer": {
    "nmls_id": 1311632,
    "slug": "nick-morga-1311632",
    "canonical_url": "https://lendb.ai/lo/nick-morga-1311632",
    "md_url": "https://lendb.ai/lo/nick-morga-1311632.md",
    "json_url": "https://lendb.ai/lo/nick-morga-1311632.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1311632",
    "full_name": {
      "value": "Nick Morga",
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/nick-morga/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Nick",
    "last_name": "Morga",
    "headshot_url": {
      "value": "https://www.bankfivenine.com/wp-content/uploads/2025/03/Headshot_Nick-Morga_red-bg.jpg",
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/nick-morga/",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Nick Morga is a Mortgage Lender. They have worked in the mortgage industry since 2015 and became a licensed loan officer in 2019. Their profile lists first-time homebuyer programs, FHA and VA loans as specialties, and they serve Southeastern Wisconsin, primarily Waukesha and Milwaukee counties.",
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/nick-morga/",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Mortgage Lender",
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/nick-morga/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/nick-morga/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 410817,
      "lender_name": "Bank Five Nine",
      "lender_slug": "bank-five-nine-410817",
      "branch_city": "Brookfield",
      "branch_state": "WI",
      "branch_zip": "53045",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.bankfivenine.com/banker/mortgage-lenders/nick-morga/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/nick-morga/",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 410817,
        "lender_name": "Bank Five Nine",
        "lender_slug": "bank-five-nine-410817",
        "branch_city": "Brookfield",
        "branch_state": "WI",
        "branch_zip": "53045",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.bankfivenine.com/banker/mortgage-lenders/nick-morga/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/nick-morga/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "1311632",
        "status": "expired",
        "issued_at": "2018-11-19",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      }
    ],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/nick-morga/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/nick-morga/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/nick-morga/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "http://www.linkedin.com/in/nick-morga-0a382617b/",
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/nick-morga/",
        "verified_at": "2026-10-16"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 2015",
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/nick-morga/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "role",
        "value": "licensed loan officer since 2019, after starting as a loan processor",
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/nick-morga/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "service_area",
        "value": "Southeastern Wisconsin, primarily Waukesha and Milwaukee counties",
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/nick-morga/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "credential",
        "value": "Five Star Mortgage Professional 2024, 2025",
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/nick-morga/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "credential",
        "value": "Five Star Rising Star Mortgage Professional 2021, 2022, 2023",
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/nick-morga/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-21 14:57:59.133113+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/nick-morga-1311632#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.bankfivenine.com/banker/mortgage-lenders/nick-morga/",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": {
      "date": "2018-11-19",
      "state": "WI"
    },
    "licensed_since": {
      "year": 2018,
      "state": "WI"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}