{
  "canonical_url": "https://lendb.ai/lo/moses-youssef-949405",
  "loan_officer": {
    "nmls_id": 949405,
    "slug": "moses-youssef-949405",
    "canonical_url": "https://lendb.ai/lo/moses-youssef-949405",
    "md_url": "https://lendb.ai/lo/moses-youssef-949405.md",
    "json_url": "https://lendb.ai/lo/moses-youssef-949405.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/949405",
    "full_name": {
      "value": "Moses Youssef",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/myoussef/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Moses",
    "last_name": "Youssef",
    "headshot_url": {
      "value": "https://cliffcomortgage.com/wp-content/uploads/2024/12/Moses_Y_Web-1024x1024.webp",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/myoussef/",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Moses Youssef is Vice President of Sales with over 15 years in mortgage lending. They have helped more than 1,000 families and are licensed in New York. Their focus is first-time homebuyers, whom they guide through the loan process.",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/myoussef/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Vice President of Sales",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/myoussef/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/myoussef/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 15,
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/myoussef/",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 65328,
      "lender_name": "Cliffco, Inc.",
      "lender_slug": "cliffco-inc-65328",
      "branch_city": "Uniondale",
      "branch_state": "NY",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://cliffcomortgage.com/myoussef/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/myoussef/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 65328,
        "lender_name": "Cliffco, Inc.",
        "lender_slug": "cliffco-inc-65328",
        "branch_city": "Uniondale",
        "branch_state": "NY",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://cliffcomortgage.com/myoussef/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/myoussef/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "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",
        "regulator": "ny"
      }
    ],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/myoussef/",
        "verified_at": "2026-10-21"
      }
    ],
    "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": "15",
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/myoussef/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "helped more than 1,000 families",
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/myoussef/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "family legacy in the industry spanning more than 30 years",
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/myoussef/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 17:18:23.083576+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/moses-youssef-949405#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://cliffcomortgage.com/myoussef/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}