{
  "canonical_url": "https://lendb.ai/lo/debra-niego-90736",
  "lede": {
    "text": "Based in Champlin, Minnesota, Debbie Niego (NMLS 90736) is a Senior Loan Officer at Granite Bank, licensed in Florida since 2010.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Debbie licensed in Florida?",
      "a": "Yes. Florida regulator records list license LO609 as active, first effective December 8, 2010 (verified 2026-10-15).",
      "fields": [
        "licenses"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
      "verified_at": "2026-10-15"
    },
    {
      "q": "What lender does Debbie work for?",
      "a": "Granite Bank, company NMLS 405434, from the Champlin, MN office, per the lender's own site (verified 2026-10-26).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://granitebank.com/loan-officer/debbieniego/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "How long has Debbie been licensed?",
      "a": "The earliest state license record LenDb holds for Debbie is from December 8, 2010 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Debbie states 24 years of experience.",
      "fields": [
        "earliest_license_record",
        "years_experience"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_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": 90736,
    "slug": "debra-niego-90736",
    "canonical_url": "https://lendb.ai/lo/debra-niego-90736",
    "md_url": "https://lendb.ai/lo/debra-niego-90736.md",
    "json_url": "https://lendb.ai/lo/debra-niego-90736.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/90736",
    "full_name": {
      "value": "Debbie Niego",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/debbieniego/",
      "verified_at": "2026-10-26"
    },
    "first_name": "Debbie",
    "last_name": "Niego",
    "licensed_names": [
      {
        "name": "Debra Niego",
        "name_with_middle_initial": "Debra F. Niego",
        "first_name": "Debra",
        "middle_initial": "F",
        "last_name": "Niego",
        "states": [
          "FL"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-09"
      }
    ],
    "headshot_url": {
      "value": "https://granitebank.com/wp-content/uploads/2024/10/Debi-New-Color-Photo_Debra-Niego-Cropped-1-330x330-1-300x300.jpg",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/debbieniego/",
      "verified_at": "2026-10-26"
    },
    "bio": {
      "value": "Debbie Niego has spent 24 years in mortgage lending. They say they enjoy meeting new people and assisting borrowers with financing. When not working, they spend time with family and friends.",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/debbieniego/",
      "verified_at": "2026-10-26"
    },
    "title": {
      "value": "Senior Loan Officer",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/debbieniego/",
      "verified_at": "2026-10-26"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/debbieniego/",
      "verified_at": "2026-10-26"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 24,
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/debbieniego/",
      "verified_at": "2026-10-26"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 405434,
      "lender_name": "Granite Bank",
      "lender_slug": "granite-bank-405434",
      "branch_city": "Champlin",
      "branch_state": "MN",
      "branch_zip": "55316",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://granitebank.com/loan-officer/debbieniego/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/debbieniego/",
      "verified_at": "2026-10-26"
    },
    "employment_history": [
      {
        "lender_nmls_id": 405434,
        "lender_name": "Granite Bank",
        "lender_slug": "granite-bank-405434",
        "branch_city": "Champlin",
        "branch_state": "MN",
        "branch_zip": "55316",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://granitebank.com/loan-officer/debbieniego/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://granitebank.com/loan-officer/debbieniego/",
        "verified_at": "2026-10-26"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO609",
        "status": "active",
        "issued_at": "2010-12-08",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/debniego/",
        "source": "lender_site",
        "source_url": "https://granitebank.com/loan-officer/debbieniego/",
        "verified_at": "2026-10-26"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "24",
        "source": "lender_site",
        "source_url": "https://granitebank.com/loan-officer/debbieniego/",
        "verified_at": "2026-10-26"
      }
    ],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-26 12:42:55.672279+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/debra-niego-90736#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://granitebank.com/loan-officer/debbieniego/",
      "verified_at": "2026-10-26"
    },
    "earliest_license_record": {
      "date": "2010-12-08",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2010,
      "state": "FL"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}