{
  "canonical_url": "https://lendb.ai/lo/margarita-melamed-narod-1710770",
  "loan_officer": {
    "nmls_id": 1710770,
    "slug": "margarita-melamed-narod-1710770",
    "canonical_url": "https://lendb.ai/lo/margarita-melamed-narod-1710770",
    "md_url": "https://lendb.ai/lo/margarita-melamed-narod-1710770.md",
    "json_url": "https://lendb.ai/lo/margarita-melamed-narod-1710770.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1710770",
    "full_name": {
      "value": "Margarita Melamed-Narod",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/margarita-melamed-narod/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Margarita",
    "last_name": "Melamed-Narod",
    "headshot_url": {
      "value": "https://www.thefederalsavingsbank.com/wp-content/uploads/2022/07/1710770.jpg",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/margarita-melamed-narod/",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Margarita Melamed-Narod has more than 20 years of experience in the marketing industry. They recently moved into mortgage lending from real estate sales and staging. They specialize in conventional, jumbo and government insured loans such as VA and FHA, serving clients across all 50 states.",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/margarita-melamed-narod/",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Mortgage Banker",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/margarita-melamed-narod/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/margarita-melamed-narod/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": null,
    "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/margarita-melamed-narod/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/margarita-melamed-narod/",
      "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/margarita-melamed-narod/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/margarita-melamed-narod/",
        "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": "education",
        "value": "marketing degree, Parsons University (New York City)",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/margarita-melamed-narod/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "other",
        "value": "more than 20 years in the marketing industry (prior career)",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/margarita-melamed-narod/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "other",
        "value": "prior career in real estate sales and staging before mortgage lending",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/margarita-melamed-narod/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "service_area",
        "value": "all 50 states",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/margarita-melamed-narod/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 09:47:16.184499+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/margarita-melamed-narod-1710770#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/margarita-melamed-narod/",
      "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"
    }
  }
}