{
  "canonical_url": "https://lendb.ai/lo/nikolai-castillo-36862",
  "loan_officer": {
    "nmls_id": 36862,
    "slug": "nikolai-castillo-36862",
    "canonical_url": "https://lendb.ai/lo/nikolai-castillo-36862",
    "md_url": "https://lendb.ai/lo/nikolai-castillo-36862.md",
    "json_url": "https://lendb.ai/lo/nikolai-castillo-36862.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/36862",
    "full_name": {
      "value": "Nick Castillo",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/nick-castillo-36862",
      "verified_at": "2026-10-15"
    },
    "first_name": "Nick",
    "last_name": "Castillo",
    "headshot_url": {
      "value": "https://a.mktgcdn.com/p/iLQwpdp1DkJ_PIkQ7PCljr0awat_x4SDiPToS_WFAoM/191x275.jpg",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/nick-castillo-36862",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Nick Castillo has 24 years of experience in the mortgage and lending industry, is a U.S. Army combat veteran, and is fluent in English and Spanish.",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/nick-castillo-36862",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Regional Manager",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/nick-castillo-36862",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [
        "en",
        "es"
      ],
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/nick-castillo-36862",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 24,
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/nick-castillo-36862",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 1598647,
      "lender_name": "Guaranteed Rate Affinity, LLC",
      "lender_slug": "guaranteed-rate-affinity-llc-1598647",
      "branch_city": "Mesa",
      "branch_state": "AZ",
      "branch_zip": "85204",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.grarate.com/loan-officers/nick-castillo-36862",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/nick-castillo-36862",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1598647,
        "lender_name": "Guaranteed Rate Affinity, LLC",
        "lender_slug": "guaranteed-rate-affinity-llc-1598647",
        "branch_city": "Mesa",
        "branch_state": "AZ",
        "branch_zip": "85204",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.grarate.com/loan-officers/nick-castillo-36862",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/nick-castillo-36862",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO146992",
        "status": "active",
        "issued_at": "2026-04-20",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "24",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/nick-castillo-36862",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 15:45:45.876635+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/nikolai-castillo-36862#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.grarate.com/loan-officers/nick-castillo-36862",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2026-04-20",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2026,
      "state": "FL"
    },
    "federal_registration": null
  }
}