{
  "canonical_url": "https://lendb.ai/lo/michael-erdel-1610627",
  "loan_officer": {
    "nmls_id": 1610627,
    "slug": "michael-erdel-1610627",
    "canonical_url": "https://lendb.ai/lo/michael-erdel-1610627",
    "md_url": "https://lendb.ai/lo/michael-erdel-1610627.md",
    "json_url": "https://lendb.ai/lo/michael-erdel-1610627.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1610627",
    "full_name": {
      "value": "Michael Erdel",
      "source": "lender_site",
      "source_url": "https://mortgage.usbank.com/ky/owensboro/michael-erdel-1610627",
      "verified_at": "2026-10-09"
    },
    "first_name": "Michael",
    "last_name": "Erdel",
    "headshot_url": null,
    "bio": {
      "value": "Michael assists with refinancing goals including lowering monthly payments, shortening loan terms, switching to fixed rates, or accessing home equity through HELOC programs.",
      "source": "lender_site",
      "source_url": "https://mortgage.usbank.com/ky/owensboro/michael-erdel-1610627",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Loan Originator",
      "source": "lender_site",
      "source_url": "https://mortgage.usbank.com/ky/owensboro/michael-erdel-1610627",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://mortgage.usbank.com/ky/owensboro/michael-erdel-1610627",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 6,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 75,
    "current_employment": {
      "lender_nmls_id": 402761,
      "lender_name": "U.S. Bank",
      "lender_slug": "us-bank-402761",
      "branch_city": "Owensboro",
      "branch_state": "KY",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://mortgage.usbank.com/ky/owensboro/michael-erdel-1610627",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://mortgage.usbank.com/ky/owensboro/michael-erdel-1610627",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 402761,
        "lender_name": "U.S. Bank",
        "lender_slug": "us-bank-402761",
        "branch_city": "Owensboro",
        "branch_state": "KY",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://mortgage.usbank.com/ky/owensboro/michael-erdel-1610627",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://mortgage.usbank.com/ky/owensboro/michael-erdel-1610627",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO75404",
        "status": "expired",
        "issued_at": "2020-10-06",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      }
    ],
    "specialties": [
      {
        "slug": "heloc",
        "label": "HELOC",
        "evidence": "lender_page_text",
        "confidence": 0.75,
        "source": "lender_site",
        "source_url": "https://mortgage.usbank.com/ky/owensboro/michael-erdel-1610627",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 10:48:37.069322+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/michael-erdel-1610627#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://mortgage.usbank.com/ky/owensboro/michael-erdel-1610627",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2020,
      "state": "FL"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}