{
  "canonical_url": "https://lendb.ai/lo/toni-polack-843581",
  "loan_officer": {
    "nmls_id": 843581,
    "slug": "toni-polack-843581",
    "canonical_url": "https://lendb.ai/lo/toni-polack-843581",
    "md_url": "https://lendb.ai/lo/toni-polack-843581.md",
    "json_url": "https://lendb.ai/lo/toni-polack-843581.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/843581",
    "full_name": {
      "value": "Toni Polack",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/toni-polack/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Toni",
    "last_name": "Polack",
    "headshot_url": {
      "value": "https://lifetimehomeloans.com/wp-content/uploads/2026/09/Toni-Polack.png",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/toni-polack/",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/toni-polack/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/toni-polack/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 55,
    "current_employment": {
      "lender_nmls_id": 1861406,
      "lender_name": "Lifetime Home Loans, LLC",
      "lender_slug": "lifetime-home-loans-llc-1861406",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://lifetimehomeloans.com/project/toni-polack/",
      "lender_type": "other",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/toni-polack/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1861406,
        "lender_name": "Lifetime Home Loans, LLC",
        "lender_slug": "lifetime-home-loans-llc-1861406",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://lifetimehomeloans.com/project/toni-polack/",
        "lender_type": "other",
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/toni-polack/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 18:40:52.192068+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/toni-polack-843581#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://lifetimehomeloans.com/project/toni-polack/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}