{
  "canonical_url": "https://lendb.ai/lo/ryan-farhat-573455",
  "loan_officer": {
    "nmls_id": 573455,
    "slug": "ryan-farhat-573455",
    "canonical_url": "https://lendb.ai/lo/ryan-farhat-573455",
    "md_url": "https://lendb.ai/lo/ryan-farhat-573455.md",
    "json_url": "https://lendb.ai/lo/ryan-farhat-573455.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/573455",
    "full_name": {
      "value": "Ryan Farhat",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/ryan-farhat/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Ryan",
    "last_name": "Farhat",
    "headshot_url": {
      "value": "https://www.thefederalsavingsbank.com/wp-content/uploads/2025/07/573455-new.jpg",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/ryan-farhat/",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Ryan Farhat is a national director of consumer direct lending at The Federal Savings Bank. They have spent more than 23 years building lending teams and earned finance and economics degrees from Western Michigan University in 2001. They enjoy time on the water and outdoor adventures with family.",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/ryan-farhat/",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Executive Vice President and National Director, Consumer Direct Lending",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/ryan-farhat/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/ryan-farhat/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 23,
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/ryan-farhat/",
      "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/ryan-farhat/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/ryan-farhat/",
      "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/ryan-farhat/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/ryan-farhat/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/ryan-farhat/",
        "verified_at": "2026-10-16"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "23",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/ryan-farhat/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "education",
        "value": "degrees in finance and economics, Western Michigan University, 2001",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/ryan-farhat/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "credential",
        "value": "Veteran Lending Specialist",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/ryan-farhat/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 10:15:03.635435+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/ryan-farhat-573455#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/ryan-farhat/",
      "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"
    }
  }
}