{
  "canonical_url": "https://lendb.ai/lo/cristina-gargiulo-2489062",
  "loan_officer": {
    "nmls_id": 2489062,
    "slug": "cristina-gargiulo-2489062",
    "canonical_url": "https://lendb.ai/lo/cristina-gargiulo-2489062",
    "md_url": "https://lendb.ai/lo/cristina-gargiulo-2489062.md",
    "json_url": "https://lendb.ai/lo/cristina-gargiulo-2489062.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2489062",
    "full_name": {
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      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/cristina-gargiulo/",
      "verified_at": "2026-10-16"
    },
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    "last_name": "Gargiulo",
    "headshot_url": {
      "value": "https://www.thefederalsavingsbank.com/wp-content/uploads/2026/04/2489062.jpg",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/cristina-gargiulo/",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Cristina Gargiulo is an Assistant Mortgage Banker based in Tampa, Florida. They joined The Federal Savings Bank with four years of mortgage experience. Outside of work they enjoy traveling, cooking and baking.",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/cristina-gargiulo/",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Assistant Mortgage Banker",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/cristina-gargiulo/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/cristina-gargiulo/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 4,
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/cristina-gargiulo/",
      "verified_at": "2026-10-16"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 411500,
      "lender_name": "The Federal Savings Bank",
      "lender_slug": "the-federal-savings-bank-411500",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.thefederalsavingsbank.com/bankers/cristina-gargiulo/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/cristina-gargiulo/",
      "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": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.thefederalsavingsbank.com/bankers/cristina-gargiulo/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/cristina-gargiulo/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [],
    "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": "4",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/cristina-gargiulo/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "other",
        "value": "Based in Tampa, Florida",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/cristina-gargiulo/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 08:59:17.862854+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/cristina-gargiulo-2489062#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/cristina-gargiulo/",
      "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"
    }
  }
}