{
  "canonical_url": "https://lendb.ai/lo/eva-kokosinska-19571",
  "loan_officer": {
    "nmls_id": 19571,
    "slug": "eva-kokosinska-19571",
    "canonical_url": "https://lendb.ai/lo/eva-kokosinska-19571",
    "md_url": "https://lendb.ai/lo/eva-kokosinska-19571.md",
    "json_url": "https://lendb.ai/lo/eva-kokosinska-19571.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/19571",
    "full_name": {
      "value": "Eva S. Kokosinska",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/eva-kokosinska",
      "verified_at": "2026-10-09"
    },
    "first_name": "Eva",
    "last_name": "Kokosinska",
    "headshot_url": {
      "value": "https://www.totalmortgage.com/_next/image?url=https%3A%2F%2Fwww.totalmortgage.com%2Fstatic%2Fuploads%2Fheadshots%2FEva_S_Kokosinska_19571%2FEva_S_Kokosinska_19571_1764094109852_small.jpg&w=640&q=75",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/eva-kokosinska",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Eva has 27 years of mortgage industry experience and specializes in helping first-time home buyers and immigrants achieve homeownership. She immigrated from Poland at age seven and is committed to providing comprehensive, tailored solutions.",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/eva-kokosinska",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Branch Manager",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/eva-kokosinska",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/eva-kokosinska",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 2,
    "years_experience": {
      "value": 27,
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/eva-kokosinska",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 2764,
      "lender_name": "Total Mortgage Services",
      "lender_slug": "total-mortgage-services-2764",
      "branch_city": "Auburn",
      "branch_state": "MA",
      "branch_zip": "01501",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.totalmortgage.com/bankers/eva-kokosinska",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/eva-kokosinska",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2764,
        "lender_name": "Total Mortgage Services",
        "lender_slug": "total-mortgage-services-2764",
        "branch_city": "Auburn",
        "branch_state": "MA",
        "branch_zip": "01501",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.totalmortgage.com/bankers/eva-kokosinska",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/eva-kokosinska",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO127635",
        "status": "active",
        "issued_at": "2024-04-10",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "MA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/eva-kokosinska",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/eva-kokosinska",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "foreign-national",
        "label": "Foreign national",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/eva-kokosinska",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "27",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/eva-kokosinska",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 12:40:13.790089+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/eva-kokosinska-19571#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://www.totalmortgage.com/bankers/eva-kokosinska",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2024,
      "state": "FL"
    },
    "federal_registration": null
  }
}