{
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      "verified_at": "2026-10-09"
    },
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      "verified_at": "2026-10-09"
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      "end_date": null,
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      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html",
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    ],
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      },
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        "source_url": "https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html",
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      },
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        "source_url": "https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html",
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      },
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        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html",
        "verified_at": "2026-10-09"
      },
      {
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        "source_url": "https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html",
        "verified_at": "2026-10-09"
      },
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        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html",
        "verified_at": "2026-10-09"
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        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html",
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      },
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        "verified_at": "2026-10-09"
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    ],
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        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html",
        "verified_at": "2026-10-09"
      },
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        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "reverse",
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        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html",
        "verified_at": "2026-10-09"
      },
      {
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        "label": "Real estate investor",
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        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "vacation-home",
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        "evidence": "lender_page_text",
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        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html",
        "verified_at": "2026-10-09"
      },
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        "slug": "first-time-buyer",
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        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html",
        "verified_at": "2026-10-09"
      }
    ],
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    "disciplinary_actions": [],
    "media": [],
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        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "multi-state: Arkansas, Illinois, Indiana, Kansas, Missouri, Ohio, Oklahoma, Tennessee",
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html",
        "verified_at": "2026-10-09"
      }
    ],
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    "gated_contact": {
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        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/francis-x-ruzicka-232598#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.",
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      "source_url": "https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html",
      "verified_at": "2026-10-09"
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}