{
  "canonical_url": "https://lendb.ai/lo/david-rafter-141923",
  "loan_officer": {
    "nmls_id": 141923,
    "slug": "david-rafter-141923",
    "canonical_url": "https://lendb.ai/lo/david-rafter-141923",
    "md_url": "https://lendb.ai/lo/david-rafter-141923.md",
    "json_url": "https://lendb.ai/lo/david-rafter-141923.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/141923",
    "full_name": {
      "value": "David Rafter",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/david-rafter/",
      "verified_at": "2026-10-16"
    },
    "first_name": "David",
    "last_name": "Rafter",
    "headshot_url": {
      "value": "https://www.thefederalsavingsbank.com/wp-content/uploads/2023/01/141923.jpg",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/david-rafter/",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "David Rafter is a Senior Vice President with over 20 years of industry experience. Their career includes origination, sales management, marketing, and product and price management. They earned an English degree with a minor in History and enjoy coaching youth sports.",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/david-rafter/",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Mortgage Banker",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/david-rafter/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/david-rafter/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 20,
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/david-rafter/",
      "verified_at": "2026-10-16"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "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/david-rafter/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/david-rafter/",
      "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/david-rafter/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/david-rafter/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "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": "20",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/david-rafter/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "role",
        "value": "experience across origination, sales management, marketing, and product and price management",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/david-rafter/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "education",
        "value": "English degree with a minor in History, New York Institute of Technology",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/david-rafter/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "credential",
        "value": "Chairman’s Club 2026",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/david-rafter/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "community",
        "value": "coaches youth sports",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/david-rafter/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 09:00:10.844005+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/david-rafter-141923#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/david-rafter/",
      "verified_at": "2026-10-16"
    },
    "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"
    }
  }
}