{
  "canonical_url": "https://lendb.ai/lo/frank-giovinazzo-758935",
  "loan_officer": {
    "nmls_id": 758935,
    "slug": "frank-giovinazzo-758935",
    "canonical_url": "https://lendb.ai/lo/frank-giovinazzo-758935",
    "md_url": "https://lendb.ai/lo/frank-giovinazzo-758935.md",
    "json_url": "https://lendb.ai/lo/frank-giovinazzo-758935.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/758935",
    "full_name": {
      "value": "Frank Giovinazzo",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/frank-giovinazzo/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Frank",
    "last_name": "Giovinazzo",
    "headshot_url": {
      "value": "https://www.thefederalsavingsbank.com/wp-content/uploads/2026/08/758935.jpg",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/frank-giovinazzo/",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Frank Giovinazzo is a Junior Mortgage Banker at The Federal Savings Bank. Their profile says they have more than six years in mortgage lending and they earned an associate degree in hospitality management at Virginia College. Before mortgage work, they spent a decade in professional golf instruction.",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/frank-giovinazzo/",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Junior Mortgage Banker",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/frank-giovinazzo/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/frank-giovinazzo/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 411500,
      "lender_name": "The Federal Savings Bank",
      "lender_slug": "the-federal-savings-bank-411500",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.thefederalsavingsbank.com/bankers/frank-giovinazzo/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/frank-giovinazzo/",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 411500,
        "lender_name": "The Federal Savings Bank",
        "lender_slug": "the-federal-savings-bank-411500",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.thefederalsavingsbank.com/bankers/frank-giovinazzo/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/frank-giovinazzo/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [],
    "lender_offers": [
      {
        "slug": "va",
        "label": "VA loan",
        "lender_nmls_id": 411500,
        "lender_name": "The Federal Savings Bank",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/",
        "verified_at": "2026-10-16"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "more than 6",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/frank-giovinazzo/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "education",
        "value": "Associate's Degree in Hospitality Management, Virginia College",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/frank-giovinazzo/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "other",
        "value": "Spent a decade in professional golf instruction, club membership sales, and client engagement before mortgage lending",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/frank-giovinazzo/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 10:48:17.14754+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/frank-giovinazzo-758935#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.thefederalsavingsbank.com/bankers/frank-giovinazzo/",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}