{
  "canonical_url": "https://lendb.ai/lo/elsa-labiosa-29680",
  "loan_officer": {
    "nmls_id": 29680,
    "slug": "elsa-labiosa-29680",
    "canonical_url": "https://lendb.ai/lo/elsa-labiosa-29680",
    "md_url": "https://lendb.ai/lo/elsa-labiosa-29680.md",
    "json_url": "https://lendb.ai/lo/elsa-labiosa-29680.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/29680",
    "full_name": {
      "value": "Elsa Labiosa",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/elsa-labiosa-2/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Elsa",
    "last_name": "Labiosa",
    "headshot_url": {
      "value": "https://www.thefederalsavingsbank.com/wp-content/uploads/2026/06/29680.jpg",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/elsa-labiosa-2/",
      "verified_at": "2026-10-16"
    },
    "bio": null,
    "title": {
      "value": "Mortgage Banker",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/elsa-labiosa-2/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/elsa-labiosa-2/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 40,
    "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/elsa-labiosa-2/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/elsa-labiosa-2/",
      "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/elsa-labiosa-2/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/elsa-labiosa-2/",
        "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": "more than 30",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/elsa-labiosa/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "education",
        "value": "Bachelor's Degree in Education, Inter American University",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/elsa-labiosa/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "role",
        "value": "Title I Bilingual Educator (early career)",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/elsa-labiosa/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "role",
        "value": "Teller advanced to Branch Manager at a Massachusetts-based savings bank",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/elsa-labiosa/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "role",
        "value": "Founder and President, Equal Housing Mortgage Corp. (1996 through 2009)",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/elsa-labiosa/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "credential",
        "value": "Notary Public in Massachusetts and Florida",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/elsa-labiosa/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "community",
        "value": "Board Member for a nonprofit organization",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/elsa-labiosa/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "other",
        "value": "Known as Elsie, The Mortgage Lady",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/elsa-labiosa/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 09:13:53.620552+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/elsa-labiosa-29680#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/elsa-labiosa-2/",
      "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"
    }
  }
}