{
  "canonical_url": "https://lendb.ai/lo/robert-carucci-98518",
  "loan_officer": {
    "nmls_id": 98518,
    "slug": "robert-carucci-98518",
    "canonical_url": "https://lendb.ai/lo/robert-carucci-98518",
    "md_url": "https://lendb.ai/lo/robert-carucci-98518.md",
    "json_url": "https://lendb.ai/lo/robert-carucci-98518.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/98518",
    "full_name": {
      "value": "Bob Carucci",
      "source": "lender_site",
      "source_url": "https://www.valorhl.com/bob-carucci",
      "verified_at": "2026-10-15"
    },
    "first_name": "Bob",
    "last_name": "Carucci",
    "headshot_url": {
      "value": "https://images.squarespace-cdn.com/content/v1/64e904f9f707537096c1c826/1d310fb5-c175-4e64-a471-5b9c6201e633/Head+shot.jpg",
      "source": "lender_site",
      "source_url": "https://www.valorhl.com/bob-carucci",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Mortgage Banker",
      "source": "lender_site",
      "source_url": "https://www.valorhl.com/bob-carucci",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.valorhl.com/bob-carucci",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 30,
      "source": "lender_site",
      "source_url": "https://www.valorhl.com/bob-carucci",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 55,
    "current_employment": {
      "lender_nmls_id": 1969375,
      "lender_name": "BoxCar Mortgage, LLC",
      "lender_slug": "boxcar-mortgage-llc-1969375",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.valorhl.com/bob-carucci",
      "lender_type": "other",
      "source": "lender_site",
      "source_url": "https://www.valorhl.com/bob-carucci",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1969375,
        "lender_name": "BoxCar Mortgage, LLC",
        "lender_slug": "boxcar-mortgage-llc-1969375",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.valorhl.com/bob-carucci",
        "lender_type": "other",
        "source": "lender_site",
        "source_url": "https://www.valorhl.com/bob-carucci",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO148200",
        "status": "active",
        "issued_at": "2026-05-29",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "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": "30",
        "source": "lender_site",
        "source_url": "https://www.valorhl.com/bob-carucci",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "Instrumental in startup companies and loan production offices in Southern New Jersey/Philadelphia area",
        "source": "lender_site",
        "source_url": "https://www.valorhl.com/bob-carucci",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 19:48:10.533554+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/robert-carucci-98518#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.valorhl.com/bob-carucci",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2026-05-29",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2026,
      "state": "FL"
    },
    "federal_registration": null
  }
}