{
  "canonical_url": "https://lendb.ai/lo/michael-ferraro-140960",
  "loan_officer": {
    "nmls_id": 140960,
    "slug": "michael-ferraro-140960",
    "canonical_url": "https://lendb.ai/lo/michael-ferraro-140960",
    "md_url": "https://lendb.ai/lo/michael-ferraro-140960.md",
    "json_url": "https://lendb.ai/lo/michael-ferraro-140960.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/140960",
    "full_name": {
      "value": "Michael Ferraro",
      "source": "lender_site",
      "source_url": "https://www.valorhl.com/michael-ferraro",
      "verified_at": "2026-10-15"
    },
    "first_name": "Michael",
    "last_name": "Ferraro",
    "headshot_url": {
      "value": "https://images.squarespace-cdn.com/content/v1/64e904f9f707537096c1c826/0b10129a-b5b3-4fa8-a4c9-fddf7c33f9d7/1553716789528.jfif",
      "source": "lender_site",
      "source_url": "https://www.valorhl.com/michael-ferraro",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Producing Branch Manager",
      "source": "lender_site",
      "source_url": "https://www.valorhl.com/michael-ferraro",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.valorhl.com/michael-ferraro",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 55,
    "current_employment": {
      "lender_nmls_id": 1969375,
      "lender_name": "BoxCar Mortgage, LLC",
      "lender_slug": "boxcar-mortgage-llc-1969375",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.valorhl.com/michael-ferraro",
      "lender_type": "other",
      "source": "lender_site",
      "source_url": "https://www.valorhl.com/michael-ferraro",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1969375,
        "lender_name": "BoxCar Mortgage, LLC",
        "lender_slug": "boxcar-mortgage-llc-1969375",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.valorhl.com/michael-ferraro",
        "lender_type": "other",
        "source": "lender_site",
        "source_url": "https://www.valorhl.com/michael-ferraro",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO116685",
        "status": "active",
        "issued_at": "2023-01-18",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed"
      },
      {
        "state": "NY",
        "license_type": "state_license",
        "license_number": null,
        "status": "expired",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.dfs.ny.gov/",
        "verified_at": "2026-10-14",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 19:44:34.130019+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/michael-ferraro-140960#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.valorhl.com/michael-ferraro",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2023-01-18",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2023,
      "state": "FL"
    },
    "federal_registration": null
  }
}