{
  "canonical_url": "https://lendb.ai/lo/zach-melder-1531520",
  "loan_officer": {
    "nmls_id": 1531520,
    "slug": "zach-melder-1531520",
    "canonical_url": "https://lendb.ai/lo/zach-melder-1531520",
    "md_url": "https://lendb.ai/lo/zach-melder-1531520.md",
    "json_url": "https://lendb.ai/lo/zach-melder-1531520.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1531520",
    "full_name": {
      "value": "Zach Melder",
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/zmelder/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Zach",
    "last_name": "Melder",
    "headshot_url": {
      "value": "https://alcova.com/wp-content/uploads/2024/08/Zach_Melder.png",
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/zmelder/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Zach Melder is a Branch Manager based in Lynchburg, VA, originally from Rochester, Minnesota. He is committed to helping people achieve the American Dream of homeownership.",
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/zmelder/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Branch Manager",
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/zmelder/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/zmelder/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 40508,
      "lender_name": "ALCOVA Mortgage",
      "lender_slug": "alcova-mortgage-40508",
      "branch_city": "Lynchburg",
      "branch_state": "VA",
      "branch_zip": "24502",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://alcova.com/loan-officer/zmelder/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/zmelder/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 40508,
        "lender_name": "ALCOVA Mortgage",
        "lender_slug": "alcova-mortgage-40508",
        "branch_city": "Lynchburg",
        "branch_state": "VA",
        "branch_zip": "24502",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://alcova.com/loan-officer/zmelder/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/zmelder/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "NC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/zmelder/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "SC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/zmelder/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "VA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/zmelder/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "low-credit",
        "label": "Low credit score",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/zmelder/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/zach-melder-159730164/",
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/zmelder/",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "community",
        "value": "Participates in Juach Pickleball League",
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/zmelder/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 10:06:35.228853+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/zach-melder-1531520#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://alcova.com/loan-officer/zmelder/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": null
  }
}