{
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  "loan_officer": {
    "nmls_id": 2308472,
    "slug": "susan-kayal-2308472",
    "canonical_url": "https://lendb.ai/lo/susan-kayal-2308472",
    "md_url": "https://lendb.ai/lo/susan-kayal-2308472.md",
    "json_url": "https://lendb.ai/lo/susan-kayal-2308472.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2308472",
    "full_name": {
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      "source_url": "https://www.totalmortgage.com/bankers/susan-kayal",
      "verified_at": "2026-10-09"
    },
    "first_name": "Susan",
    "last_name": "Kayal",
    "headshot_url": {
      "value": "https://www.totalmortgage.com/_next/image?url=https%3A%2F%2Fwww.totalmortgage.com%2Fstatic%2Fuploads%2Fheadshots%2FSusan_Kayal_2308472%2FSusan_Kayal_2308472_1764093986669_small.jpg&w=640&q=75",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/susan-kayal",
      "verified_at": "2026-10-09"
    },
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      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/susan-kayal",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Banker",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/susan-kayal",
      "verified_at": "2026-10-09"
    },
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      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/susan-kayal",
      "verified_at": "2026-10-09"
    },
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    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
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      "lender_slug": "total-mortgage-services-2764",
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      "branch_state": "CT",
      "branch_zip": "06461",
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      "end_date": null,
      "lender_profile_url": "https://www.totalmortgage.com/bankers/susan-kayal",
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      "source_url": "https://www.totalmortgage.com/bankers/susan-kayal",
      "verified_at": "2026-10-09"
    },
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        "lender_name": "Total Mortgage Services",
        "lender_slug": "total-mortgage-services-2764",
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        "branch_state": "CT",
        "branch_zip": "06461",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.totalmortgage.com/bankers/susan-kayal",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/susan-kayal",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO145876",
        "status": "active",
        "issued_at": "2026-03-16",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
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        "license_type": "state_license",
        "license_number": null,
        "status": "active",
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        "source": "state_regulator",
        "source_url": "https://www.dfs.ny.gov/",
        "verified_at": "2026-10-14",
        "confidence": "confirmed"
      }
    ],
    "specialties": [
      {
        "slug": "heloc",
        "label": "HELOC",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/susan-kayal",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "non-qm",
        "label": "Non-QM loan",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/susan-kayal",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "role",
        "value": "Joined forces with Denise Panza as a power team",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/susan-kayal",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "other",
        "value": "Background in Real Estate business before joining mortgage industry",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/susan-kayal",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-14",
    "updated_at": "2026-10-14 02:58:18.815515+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/susan-kayal-2308472#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.totalmortgage.com/bankers/susan-kayal",
      "verified_at": "2026-10-09"
    },
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      "state": "FL"
    },
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      "state": "FL"
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}