{
  "canonical_url": "https://lendb.ai/lo/charles-masse-23120",
  "loan_officer": {
    "nmls_id": 23120,
    "slug": "charles-masse-23120",
    "canonical_url": "https://lendb.ai/lo/charles-masse-23120",
    "md_url": "https://lendb.ai/lo/charles-masse-23120.md",
    "json_url": "https://lendb.ai/lo/charles-masse-23120.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/23120",
    "full_name": {
      "value": "Charlie Masse",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/charlie-masse",
      "verified_at": "2026-10-09"
    },
    "first_name": "Charlie",
    "last_name": "Masse",
    "headshot_url": {
      "value": "https://www.totalmortgage.com/_next/image?url=https%3A%2F%2Fwww.totalmortgage.com%2Fstatic%2Fuploads%2Fheadshots%2FCharlie_Masse_23120%2FCharlie_Masse_23120_1764093915962_small.jpg&w=640&q=75",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/charlie-masse",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Charlie has over 30 years of experience and more than 7,000 closings, specializing in renovation loans, credit strategies, reverse mortgages, and advanced mortgage planning. He leads industry seminars and has earned 15 consecutive years in President's Club.",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/charlie-masse",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Branch Manager/VP, Mortgage Loan Originator",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/charlie-masse",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/charlie-masse",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 30,
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/charlie-masse",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 2764,
      "lender_name": "Total Mortgage Services",
      "lender_slug": "total-mortgage-services-2764",
      "branch_city": "Milford",
      "branch_state": "CT",
      "branch_zip": "06461",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.totalmortgage.com/bankers/charlie-masse",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/charlie-masse",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2764,
        "lender_name": "Total Mortgage Services",
        "lender_slug": "total-mortgage-services-2764",
        "branch_city": "Milford",
        "branch_state": "CT",
        "branch_zip": "06461",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.totalmortgage.com/bankers/charlie-masse",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/charlie-masse",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO128128",
        "status": "active",
        "issued_at": "2024-04-25",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      }
    ],
    "specialties": [
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/charlie-masse",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/charlie-masse",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "30",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/charlie-masse",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "7,000+ closings",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/charlie-masse",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "15 consecutive years in President's Club",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/charlie-masse",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 09:07:55.610265+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/charles-masse-23120#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/charlie-masse",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": {
      "date": "2024-04-25",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2024,
      "state": "FL"
    },
    "federal_registration": null
  }
}