{
  "canonical_url": "https://lendb.ai/lo/janette-calabro-400320",
  "loan_officer": {
    "nmls_id": 400320,
    "slug": "janette-calabro-400320",
    "canonical_url": "https://lendb.ai/lo/janette-calabro-400320",
    "md_url": "https://lendb.ai/lo/janette-calabro-400320.md",
    "json_url": "https://lendb.ai/lo/janette-calabro-400320.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/400320",
    "full_name": {
      "value": "Janette Calabro",
      "source": "lender_site",
      "source_url": "https://www.charterwest.com/mortgage-officers/janette-calabro/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Janette",
    "last_name": "Calabro",
    "headshot_url": {
      "value": "https://www.charterwest.com/wp-content/uploads/2025/10/jcalabro_web-600x675.jpg",
      "source": "lender_site",
      "source_url": "https://www.charterwest.com/mortgage-officers/janette-calabro/",
      "verified_at": "2026-10-16"
    },
    "bio": null,
    "title": {
      "value": "Mortgage Loan Advisor",
      "source": "lender_site",
      "source_url": "https://www.charterwest.com/mortgage-officers/janette-calabro/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.charterwest.com/mortgage-officers/janette-calabro/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 20,
      "source": "lender_site",
      "source_url": "https://www.charterwest.com/mortgage-officers/janette-calabro/",
      "verified_at": "2026-10-16"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 466077,
      "lender_name": "Charter West Bank",
      "lender_slug": "charter-west-bank-466077",
      "branch_city": "Papillion",
      "branch_state": "NE",
      "branch_zip": "68046",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.charterwest.com/mortgage-officers/janette-calabro/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.charterwest.com/mortgage-officers/janette-calabro/",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 466077,
        "lender_name": "Charter West Bank",
        "lender_slug": "charter-west-bank-466077",
        "branch_city": "Papillion",
        "branch_state": "NE",
        "branch_zip": "68046",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.charterwest.com/mortgage-officers/janette-calabro/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.charterwest.com/mortgage-officers/janette-calabro/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "20",
        "source": "lender_site",
        "source_url": "https://www.charterwest.com/mortgage-officers/janette-calabro/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "service_area",
        "value": "Omaha metro area",
        "source": "lender_site",
        "source_url": "https://www.charterwest.com/mortgage-officers/janette-calabro/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "service_area",
        "value": "All 50 states",
        "source": "lender_site",
        "source_url": "https://www.charterwest.com/mortgage-officers/janette-calabro/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "education",
        "value": "Journalism degree from UNO",
        "source": "lender_site",
        "source_url": "https://www.charterwest.com/mortgage-officers/janette-calabro/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "other",
        "value": "Published fiction author and freelance writer",
        "source": "lender_site",
        "source_url": "https://www.charterwest.com/mortgage-officers/janette-calabro/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "other",
        "value": "Freelance writer for Women’s Edition and City Lifestyle magazines",
        "source": "lender_site",
        "source_url": "https://www.charterwest.com/mortgage-officers/janette-calabro/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 11:14:26.727376+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/janette-calabro-400320#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.charterwest.com/mortgage-officers/janette-calabro/",
      "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"
    }
  }
}