{
  "canonical_url": "https://lendb.ai/lo/michelle-carrasco-931224",
  "loan_officer": {
    "nmls_id": 931224,
    "slug": "michelle-carrasco-931224",
    "canonical_url": "https://lendb.ai/lo/michelle-carrasco-931224",
    "md_url": "https://lendb.ai/lo/michelle-carrasco-931224.md",
    "json_url": "https://lendb.ai/lo/michelle-carrasco-931224.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/931224",
    "full_name": {
      "value": "Michelle M. Carrasco",
      "source": "lender_site",
      "source_url": "https://www.washtrust.com/application/michelle-m-carrasco",
      "verified_at": "2026-10-26"
    },
    "first_name": "Michelle",
    "last_name": "Carrasco",
    "headshot_url": {
      "value": "https://stdidwashtrustprod.blob.core.windows.net/washtrust/images/mortgage/_wide/Carrasco_Michelle_square.jpg",
      "source": "lender_site",
      "source_url": "https://www.washtrust.com/application/michelle-m-carrasco",
      "verified_at": "2026-10-26"
    },
    "bio": null,
    "title": {
      "value": "Community Lending Officer",
      "source": "lender_site",
      "source_url": "https://www.washtrust.com/application/michelle-m-carrasco",
      "verified_at": "2026-10-26"
    },
    "languages": {
      "value": [
        "en",
        "es"
      ],
      "source": "lender_site",
      "source_url": "https://www.washtrust.com/application/michelle-m-carrasco",
      "verified_at": "2026-10-26"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 414726,
      "lender_name": "The Washington Trust Company, of Westerly",
      "lender_slug": "the-washington-trust-company-of-westerly-414726",
      "branch_city": "Warwick",
      "branch_state": "RI",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.washtrust.com/application/michelle-m-carrasco",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.washtrust.com/application/michelle-m-carrasco",
      "verified_at": "2026-10-26"
    },
    "employment_history": [
      {
        "lender_nmls_id": 414726,
        "lender_name": "The Washington Trust Company, of Westerly",
        "lender_slug": "the-washington-trust-company-of-westerly-414726",
        "branch_city": "Warwick",
        "branch_state": "RI",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.washtrust.com/application/michelle-m-carrasco",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.washtrust.com/application/michelle-m-carrasco",
        "verified_at": "2026-10-26"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO68706",
        "status": "expired",
        "issued_at": "2020-03-09",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      }
    ],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://www.washtrust.com/application/michelle-m-carrasco",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "education",
        "value": "Master's degree, Johnson and Wales University",
        "source": "lender_site",
        "source_url": "https://www.washtrust.com/application/michelle-m-carrasco",
        "verified_at": "2026-10-26"
      },
      {
        "kind": "education",
        "value": "Bachelor's degree, Bryant University",
        "source": "lender_site",
        "source_url": "https://www.washtrust.com/application/michelle-m-carrasco",
        "verified_at": "2026-10-26"
      },
      {
        "kind": "role",
        "value": "Senior Mortgage Loan Officer at Total Mortgage (prior role)",
        "source": "lender_site",
        "source_url": "https://www.washtrust.com/application/michelle-m-carrasco",
        "verified_at": "2026-10-26"
      },
      {
        "kind": "community",
        "value": "Actively engaged in the communities Washington Trust serves",
        "source": "lender_site",
        "source_url": "https://www.washtrust.com/application/michelle-m-carrasco",
        "verified_at": "2026-10-26"
      }
    ],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-26 13:35:51.794866+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/michelle-carrasco-931224#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.washtrust.com/application/michelle-m-carrasco",
      "verified_at": "2026-10-26"
    },
    "earliest_license_record": {
      "date": "2020-03-09",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2020,
      "state": "FL"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}