{
  "canonical_url": "https://lendb.ai/lo/frank-dicostanzo-2090434",
  "loan_officer": {
    "nmls_id": 2090434,
    "slug": "frank-dicostanzo-2090434",
    "canonical_url": "https://lendb.ai/lo/frank-dicostanzo-2090434",
    "md_url": "https://lendb.ai/lo/frank-dicostanzo-2090434.md",
    "json_url": "https://lendb.ai/lo/frank-dicostanzo-2090434.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2090434",
    "full_name": {
      "value": "Frank DiCostanzo",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/frank-dicostanzo",
      "verified_at": "2026-10-09"
    },
    "first_name": "Frank",
    "last_name": "DiCostanzo",
    "headshot_url": {
      "value": "https://www.totalmortgage.com/_next/image?url=https%3A%2F%2Fwww.totalmortgage.com%2Fstatic%2Fuploads%2Fheadshots%2FFrank_DiCostanzo_2090434%2FFrank_DiCostanzo_2090434_1764094095793_small.jpg&w=640&q=75",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/frank-dicostanzo",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Over 30 years in the mortgage industry. Licensed in Connecticut, Rhode Island, Massachusetts, and New Hampshire.",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/frank-dicostanzo",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Banker",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/frank-dicostanzo",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/frank-dicostanzo",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 30,
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/frank-dicostanzo",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 75,
    "current_employment": {
      "lender_nmls_id": 2764,
      "lender_name": "Total Mortgage Services",
      "lender_slug": "total-mortgage-services-2764",
      "branch_city": "Niantic",
      "branch_state": "CT",
      "branch_zip": "06357",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.totalmortgage.com/bankers/frank-dicostanzo",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/frank-dicostanzo",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2764,
        "lender_name": "Total Mortgage Services",
        "lender_slug": "total-mortgage-services-2764",
        "branch_city": "Niantic",
        "branch_state": "CT",
        "branch_zip": "06357",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.totalmortgage.com/bankers/frank-dicostanzo",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/frank-dicostanzo",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "CT",
        "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/frank-dicostanzo",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "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/frank-dicostanzo",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "NH",
        "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/frank-dicostanzo",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "RI",
        "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/frank-dicostanzo",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "30",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/frank-dicostanzo",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "University of Rhode Island, school of business",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/frank-dicostanzo",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Volunteering at local shelters, organizing charity events, mentoring youth",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/frank-dicostanzo",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 09:06:55.674686+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/frank-dicostanzo-2090434#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/frank-dicostanzo",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}