{
  "canonical_url": "https://lendb.ai/lo/sal-ciubancan-2092463",
  "loan_officer": {
    "nmls_id": 2092463,
    "slug": "sal-ciubancan-2092463",
    "canonical_url": "https://lendb.ai/lo/sal-ciubancan-2092463",
    "md_url": "https://lendb.ai/lo/sal-ciubancan-2092463.md",
    "json_url": "https://lendb.ai/lo/sal-ciubancan-2092463.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2092463",
    "full_name": {
      "value": "Sal Ciubancan",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/sal-ciubancan-2092463",
      "verified_at": "2026-10-09"
    },
    "first_name": "Sal",
    "last_name": "Ciubancan",
    "headshot_url": {
      "value": "https://lh3.googleusercontent.com/PhQPdr4BdjwEw-spX6bJw-qfpy45sU-sllVR5BKOvPFWZ9YzNMYzdW1UM2KP1xZhXTkKS-lS2Q_vbO3AkcZbVksUeKbj_VMIVct-",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/sal-ciubancan-2092463",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Over 30 years in real estate and mortgage lending, with experience as a real estate agent, broker-owner, and residential mortgage broker. Committed to transparency, fairness, and helping clients achieve their financial and personal dreams.",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/sal-ciubancan-2092463",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/sal-ciubancan-2092463",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/sal-ciubancan-2092463",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 30,
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/sal-ciubancan-2092463",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 320841,
      "lender_name": "Loan Factory",
      "lender_slug": "loan-factory-320841",
      "branch_city": null,
      "branch_state": "CA",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/sal-ciubancan-2092463",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/sal-ciubancan-2092463",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 320841,
        "lender_name": "Loan Factory",
        "lender_slug": "loan-factory-320841",
        "branch_city": null,
        "branch_state": "CA",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/sal-ciubancan-2092463",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/sal-ciubancan-2092463",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/sal-ciubancan-2092463",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "30",
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/sal-ciubancan-2092463",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "real estate agent, broker-owner, mortgage broker",
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/sal-ciubancan-2092463",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 06:19:45.972952+00",
    "disciplinary_check": "not_checked",
    "gated_contact": null,
    "licensed_since": null,
    "federal_registration": null
  }
}