{
  "canonical_url": "https://lendb.ai/lo/demetri-charitos-196445",
  "lede": {
    "text": "Demetri Charitos, NMLS 196445, works as a Senior Loan Officer at think one mortgage inc in Milford, Delaware and is licensed in Delaware, Pennsylvania and Maryland. Demetri's lender page shows a focus on renovation loan (203k / HomeStyle), VA loan and FHA loan, and Demetri works at an FHA-approved lender, per HUD.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "specialties",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Demetri licensed in Delaware?",
      "a": "Yes. Delaware regulator records list a license as active (verified 2026-10-30). LenDb has 3 other states on file for Demetri.",
      "fields": [
        "licenses"
      ],
      "source": "Delaware state regulator",
      "source_url": "https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/",
      "verified_at": "2026-10-30"
    },
    {
      "q": "Does Demetri do renovation loans (203k / HomeStyle)?",
      "a": "Demetri's profile lists renovation loan (203k / HomeStyle) as a focus (from their lender profile page). It also lists VA loan and FHA loan.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://thinkmtg.com/lo-demetri-charitos/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Demetri work for, and is it FHA-approved?",
      "a": "think one mortgage inc, company NMLS 125182, from the Milford, DE 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://thinkmtg.com/lo-demetri-charitos/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How much experience does Demetri have?",
      "a": "Demetri states 15 years of experience.",
      "fields": [
        "years_experience"
      ],
      "source": "the loan officer's own statement",
      "source_url": "https://thinkmtg.com/lo-demetri-charitos/",
      "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": 196445,
    "slug": "demetri-charitos-196445",
    "canonical_url": "https://lendb.ai/lo/demetri-charitos-196445",
    "md_url": "https://lendb.ai/lo/demetri-charitos-196445.md",
    "json_url": "https://lendb.ai/lo/demetri-charitos-196445.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/196445",
    "full_name": {
      "value": "Demetri Charitos",
      "source": "lender_site",
      "source_url": "https://thinkmtg.com/lo-demetri-charitos/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Demetri",
    "last_name": "Charitos",
    "headshot_url": {
      "value": "https://thinkmtg.com/wp-content/uploads/2025/10/16.png",
      "source": "lender_site",
      "source_url": "https://thinkmtg.com/lo-demetri-charitos/",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Demetri Charitos is a Senior Loan Officer with over 15 years of experience. They describe themselves as an FHA 203k rehab loan specialist and say they specialize in servicing veterans through VA financing. They are a preferred lender with Timberlake Home Builder and are licensed in DE, MD, NJ and PA.",
      "source": "lender_site",
      "source_url": "https://thinkmtg.com/lo-demetri-charitos/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Senior Loan Officer",
      "source": "lender_site",
      "source_url": "https://thinkmtg.com/lo-demetri-charitos/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://thinkmtg.com/lo-demetri-charitos/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 15,
      "source": "lender_site",
      "source_url": "https://thinkmtg.com/lo-demetri-charitos/",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 125182,
      "lender_name": "think one mortgage inc",
      "lender_slug": "think-one-mortgage-inc-125182",
      "branch_city": "Milford",
      "branch_state": "DE",
      "branch_zip": "19963",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://thinkmtg.com/lo-demetri-charitos/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://thinkmtg.com/lo-demetri-charitos/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 125182,
        "lender_name": "think one mortgage inc",
        "lender_slug": "think-one-mortgage-inc-125182",
        "branch_city": "Milford",
        "branch_state": "DE",
        "branch_zip": "19963",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://thinkmtg.com/lo-demetri-charitos/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://thinkmtg.com/lo-demetri-charitos/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "DE",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/",
        "verified_at": "2026-10-30",
        "confidence": "confirmed",
        "regulator": "de"
      },
      {
        "state": "PA",
        "license_type": "state_license",
        "license_number": "30399",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://data.pa.gov/d/tyxc-jyug",
        "verified_at": "2026-10-16",
        "confidence": "confirmed",
        "regulator": "pa"
      },
      {
        "state": "MD",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.labor.maryland.gov/finance/",
        "verified_at": "2026-10-26",
        "confidence": "confirmed",
        "regulator": "md"
      },
      {
        "state": "NJ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://thinkmtg.com/lo-demetri-charitos/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://thinkmtg.com/lo-demetri-charitos/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://thinkmtg.com/lo-demetri-charitos/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://thinkmtg.com/lo-demetri-charitos/",
        "verified_at": "2026-10-26"
      }
    ],
    "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": "15",
        "source": "lender_site",
        "source_url": "https://thinkmtg.com/lo-demetri-charitos/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "preferred lender with Timberlake Home Builder",
        "source": "lender_site",
        "source_url": "https://thinkmtg.com/lo-demetri-charitos/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-30",
    "updated_at": "2026-10-30 15:38:22.768754+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/demetri-charitos-196445#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://thinkmtg.com/lo-demetri-charitos/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}