{
  "canonical_url": "https://lendb.ai/lo/anastasios-zervas-2145945",
  "lede": {
    "text": "Based in Uniondale, New York, Anastasios Zervas (NMLS 2145945) is a Loan Officer at Cliffco, Inc., licensed in Florida since 2026 and in New York and Connecticut. Anastasios's focus, from their own profile, includes non-QM loan and reverse mortgage, and Anastasios works at an FHA-approved lender, per HUD.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "specialties",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Anastasios licensed in New York?",
      "a": "Yes. New York regulator records list a license as active (verified 2026-10-14). LenDb has 3 other states on file for Anastasios.",
      "fields": [
        "licenses"
      ],
      "source": "New York state regulator",
      "source_url": "https://www.dfs.ny.gov/",
      "verified_at": "2026-10-14"
    },
    {
      "q": "Does Anastasios do non-QM loans?",
      "a": "Anastasios's profile lists non-QM loan as a focus (from their lender profile page). It also lists reverse mortgage.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://cliffcomortgage.com/azervas/",
      "verified_at": "2026-10-21"
    },
    {
      "q": "What lender does Anastasios work for, and is it FHA-approved?",
      "a": "Cliffco, Inc., company NMLS 65328, from the Uniondale, NY office, per the lender's own site (verified 2026-10-15). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026).",
      "fields": [
        "current_employment",
        "employer_program_approvals"
      ],
      "source": "lender site; HUD",
      "source_url": "https://cliffcomortgage.com/azervas/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Anastasios been licensed?",
      "a": "The earliest state license record LenDb holds for Anastasios is from January 6, 2026 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
      "verified_at": "2026-10-15"
    }
  ],
  "field_notes": {
    "languages": "Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it."
  },
  "loan_officer": {
    "nmls_id": 2145945,
    "slug": "anastasios-zervas-2145945",
    "canonical_url": "https://lendb.ai/lo/anastasios-zervas-2145945",
    "md_url": "https://lendb.ai/lo/anastasios-zervas-2145945.md",
    "json_url": "https://lendb.ai/lo/anastasios-zervas-2145945.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2145945",
    "full_name": {
      "value": "Anastasios Zervas",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/azervas/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Anastasios",
    "last_name": "Zervas",
    "headshot_url": {
      "value": "https://cliffcomortgage.com/wp-content/uploads/2026/06/Headshot-Resize_Preferred-1024x1024.png",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/azervas/",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/azervas/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/azervas/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "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/azervas/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/azervas/",
      "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/azervas/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/azervas/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO143886",
        "status": "active",
        "issued_at": "2026-01-06",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "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"
      },
      {
        "state": "CT",
        "license_type": "state_license",
        "license_number": "LO-2145945",
        "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",
        "regulator": "ct"
      },
      {
        "state": "NJ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/azervas/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "non-qm",
        "label": "Non-QM loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/azervas/",
        "verified_at": "2026-10-21"
      },
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/azervas/",
        "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": "credential",
        "value": "Certified Mortgage Advisor (CMA)",
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/azervas/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "credential",
        "value": "Certified Divorce Lending Professional (CDLP)",
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/azervas/",
        "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/anastasios-zervas-2145945#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/azervas/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2026-01-06",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2026,
      "state": "FL"
    },
    "federal_registration": null
  }
}