{
  "canonical_url": "https://lendb.ai/lo/michael-stevens-525392",
  "loan_officer": {
    "nmls_id": 525392,
    "slug": "michael-stevens-525392",
    "canonical_url": "https://lendb.ai/lo/michael-stevens-525392",
    "md_url": "https://lendb.ai/lo/michael-stevens-525392.md",
    "json_url": "https://lendb.ai/lo/michael-stevens-525392.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/525392",
    "full_name": {
      "value": "Michael Stevens",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/mike-stevens/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Michael",
    "last_name": "Stevens",
    "headshot_url": {
      "value": "https://www.thefederalsavingsbank.com/wp-content/uploads/2025/07/525392-new.jpg",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/mike-stevens/",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Michael Stevens, HECM Vice President, has worked in banking for over three decades. For the last thirteen years they have worked with retirees to help them retire better and happier. They have experience in residential, commercial and consumer lending.",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/mike-stevens/",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "HECM Vice President",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/mike-stevens/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/mike-stevens/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 30,
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/mike-stevens/",
      "verified_at": "2026-10-16"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "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/mike-stevens/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/mike-stevens/",
      "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/mike-stevens/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/mike-stevens/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/mike-stevens/",
        "verified_at": "2026-10-16"
      }
    ],
    "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": "30",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/mike-stevens/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "years_experience",
        "value": "13",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/mike-stevens/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "education",
        "value": "U.C. (graduate)",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/mike-stevens/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "community",
        "value": "Volunteers at Shriners Hospital on weekends during the winter months",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/mike-stevens/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "community",
        "value": "Coaches 12-14-year-olds in Baseball and Football",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/mike-stevens/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 09:52:49.140637+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/michael-stevens-525392#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/mike-stevens/",
      "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"
    }
  }
}