{
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    "md_url": "https://lendb.ai/lo/dane-costa-787138.md",
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      "source_url": "https://xperthomelending.com/loan-directory/dane-costa",
      "verified_at": "2026-10-09"
    },
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      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
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      "source_url": "https://xperthomelending.com/loan-directory/dane-costa",
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    },
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      "source_url": "https://xperthomelending.com/loan-directory/dane-costa",
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    },
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    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
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      "lender_slug": "xpert-home-lending-2179191",
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      "branch_state": "HI",
      "branch_zip": null,
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      "end_date": null,
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      "source_url": "https://xperthomelending.com/loan-directory/dane-costa",
      "verified_at": "2026-10-09"
    },
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        "source_url": "https://xperthomelending.com/loan-directory/dane-costa",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
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        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/dane-costa",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
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        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/dane-costa",
        "verified_at": "2026-10-09"
      },
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        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/dane-costa",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/dane-costa",
        "verified_at": "2026-10-09"
      },
      {
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        "label": "Asset-based qualifying",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/dane-costa",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "bank-statement",
        "label": "Bank statement loan",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/dane-costa",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "down-payment-assistance",
        "label": "Down payment assistance",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/dane-costa",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "dscr",
        "label": "DSCR loan",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/dane-costa",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/dane-costa",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "heloc",
        "label": "HELOC",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/dane-costa",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "itin",
        "label": "ITIN borrower",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/dane-costa",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/dane-costa",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "non-qm",
        "label": "Non-QM loan",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/dane-costa",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/dane-costa",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/dane-costa",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "11",
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/dane-costa",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "independent mortgage broker",
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/dane-costa",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 12:20:22.509881+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/dane-costa-787138#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://xperthomelending.com/loan-directory/dane-costa",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": null
  }
}