{
  "canonical_url": "https://lendb.ai/lo/clifford-meltzer-2698300",
  "loan_officer": {
    "nmls_id": 2698300,
    "slug": "clifford-meltzer-2698300",
    "canonical_url": "https://lendb.ai/lo/clifford-meltzer-2698300",
    "md_url": "https://lendb.ai/lo/clifford-meltzer-2698300.md",
    "json_url": "https://lendb.ai/lo/clifford-meltzer-2698300.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2698300",
    "full_name": {
      "value": "Clifford Meltzer",
      "source": "lender_site",
      "source_url": "https://tfhomeloans.com/Loan-Officers/cmeltzer/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Clifford",
    "last_name": "Meltzer",
    "headshot_url": {
      "value": "https://tfhomeloans.com/wp-content/uploads/2025/10/Cliff-Meltzer-1024x768.jpg",
      "source": "lender_site",
      "source_url": "https://tfhomeloans.com/Loan-Officers/cmeltzer/",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://tfhomeloans.com/Loan-Officers/cmeltzer/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://tfhomeloans.com/Loan-Officers/cmeltzer/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 4181,
      "lender_name": "Top Flite Financial, Inc.",
      "lender_slug": "top-flite-financial-inc-4181",
      "branch_city": "Las Vegas",
      "branch_state": "NV",
      "branch_zip": "89128",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://tfhomeloans.com/Loan-Officers/cmeltzer/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://tfhomeloans.com/Loan-Officers/cmeltzer/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 4181,
        "lender_name": "Top Flite Financial, Inc.",
        "lender_slug": "top-flite-financial-inc-4181",
        "branch_city": "Las Vegas",
        "branch_state": "NV",
        "branch_zip": "89128",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://tfhomeloans.com/Loan-Officers/cmeltzer/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://tfhomeloans.com/Loan-Officers/cmeltzer/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [],
    "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": [],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 05:13:40.050635+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/clifford-meltzer-2698300#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://tfhomeloans.com/Loan-Officers/cmeltzer/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}