{
  "canonical_url": "https://lendb.ai/lo/gina-kritikos-70516",
  "loan_officer": {
    "nmls_id": 70516,
    "slug": "gina-kritikos-70516",
    "canonical_url": "https://lendb.ai/lo/gina-kritikos-70516",
    "md_url": "https://lendb.ai/lo/gina-kritikos-70516.md",
    "json_url": "https://lendb.ai/lo/gina-kritikos-70516.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/70516",
    "full_name": {
      "value": "Gina Kritikos",
      "source": "lender_site",
      "source_url": "https://unitedmortgage.com/loan-officer/gina-kritikos/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Gina",
    "last_name": "Kritikos",
    "headshot_url": {
      "value": "https://unitedmortgage.com/wp-content/uploads/2024/08/Gina-Kritikos-1by1.png",
      "source": "lender_site",
      "source_url": "https://unitedmortgage.com/loan-officer/gina-kritikos/",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Gina brings over 25 years in mortgage, real estate and sales, and serves as corporate liaison between operations and sales. Their stated focus includes FHA, conventional, renovation, non-QM and reverse mortgages.",
      "source": "lender_site",
      "source_url": "https://unitedmortgage.com/loan-officer/gina-kritikos/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://unitedmortgage.com/loan-officer/gina-kritikos/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://unitedmortgage.com/loan-officer/gina-kritikos/",
      "verified_at": "2026-10-15"
    },
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      "source": "lender_site",
      "source_url": "https://unitedmortgage.com/loan-officer/gina-kritikos/",
      "verified_at": "2026-10-15"
    },
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    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 1330,
      "lender_name": "United Mortgage Corp.",
      "lender_slug": "united-mortgage-corp-1330",
      "branch_city": "Melville",
      "branch_state": "NY",
      "branch_zip": "11747",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://unitedmortgage.com/loan-officer/gina-kritikos/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://unitedmortgage.com/loan-officer/gina-kritikos/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1330,
        "lender_name": "United Mortgage Corp.",
        "lender_slug": "united-mortgage-corp-1330",
        "branch_city": "Melville",
        "branch_state": "NY",
        "branch_zip": "11747",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://unitedmortgage.com/loan-officer/gina-kritikos/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://unitedmortgage.com/loan-officer/gina-kritikos/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO117860",
        "status": "active",
        "issued_at": "2023-03-01",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed"
      },
      {
        "state": "NY",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.dfs.ny.gov/",
        "verified_at": "2026-10-14",
        "confidence": "confirmed"
      },
      {
        "state": "NJ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://unitedmortgage.com/loan-officer/gina-kritikos/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "PA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://unitedmortgage.com/loan-officer/gina-kritikos/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "CT",
        "license_type": "state_license",
        "license_number": "LO-70516",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut",
        "verified_at": "2026-10-15",
        "confidence": "confirmed"
      }
    ],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://unitedmortgage.com/loan-officer/gina-kritikos/",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "non-qm",
        "label": "Non-QM loan",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://unitedmortgage.com/loan-officer/gina-kritikos/",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://unitedmortgage.com/loan-officer/gina-kritikos/",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://unitedmortgage.com/loan-officer/gina-kritikos/",
        "verified_at": "2026-10-15"
      }
    ],
    "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": "25",
        "source": "lender_site",
        "source_url": "https://unitedmortgage.com/loan-officer/gina-kritikos/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "role",
        "value": "Corporate Liaison between Operations and Sales",
        "source": "lender_site",
        "source_url": "https://unitedmortgage.com/loan-officer/gina-kritikos/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 17:38:44.664792+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/gina-kritikos-70516#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://unitedmortgage.com/loan-officer/gina-kritikos/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2023-03-01",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2023,
      "state": "FL"
    },
    "federal_registration": null
  }
}