{
  "canonical_url": "https://lendb.ai/lo/bill-herceg-22774",
  "loan_officer": {
    "nmls_id": 22774,
    "slug": "bill-herceg-22774",
    "canonical_url": "https://lendb.ai/lo/bill-herceg-22774",
    "md_url": "https://lendb.ai/lo/bill-herceg-22774.md",
    "json_url": "https://lendb.ai/lo/bill-herceg-22774.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/22774",
    "full_name": {
      "value": "Bill Herceg",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/bill-herceg/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Bill",
    "last_name": "Herceg",
    "headshot_url": {
      "value": "https://www.thefederalsavingsbank.com/wp-content/uploads/2022/07/22774.jpg",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/bill-herceg/",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Bill Herceg has been in mortgage lending since 1998, working in both brokerage and banking. Their profile lists FHA 203k Specialist and Veteran Lending Specialist under recognition. They say they received a construction lending certification from The Federal Savings Bank.",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/bill-herceg/",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Vice President",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/bill-herceg/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/bill-herceg/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 411500,
      "lender_name": "The Federal Savings Bank",
      "lender_slug": "the-federal-savings-bank-411500",
      "branch_city": "Ft Collins",
      "branch_state": "CO",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.thefederalsavingsbank.com/bankers/bill-herceg/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/bill-herceg/",
      "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": "Ft Collins",
        "branch_state": "CO",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.thefederalsavingsbank.com/bankers/bill-herceg/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/bill-herceg/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "construction",
        "label": "Construction loan",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/bill-herceg/",
        "verified_at": "2026-10-16"
      },
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/bill-herceg/",
        "verified_at": "2026-10-16"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/bill-herceg/",
        "verified_at": "2026-10-16"
      }
    ],
    "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": "since 1998",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/bill-herceg/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "education",
        "value": "Michigan State University, degree in Resource Development, minor in Business Administration",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/bill-herceg/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "credential",
        "value": "FHA 203k Specialist",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/bill-herceg/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "credential",
        "value": "Veteran Lending Specialist",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/bill-herceg/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "community",
        "value": "Volunteers with the local Chapter of the International Mountain Biking Alliance",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/bill-herceg/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 08:49:47.460103+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/bill-herceg-22774#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/bill-herceg/",
      "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"
    }
  }
}