{
  "canonical_url": "https://lendb.ai/lo/kristi-bozzo-447941",
  "loan_officer": {
    "nmls_id": 447941,
    "slug": "kristi-bozzo-447941",
    "canonical_url": "https://lendb.ai/lo/kristi-bozzo-447941",
    "md_url": "https://lendb.ai/lo/kristi-bozzo-447941.md",
    "json_url": "https://lendb.ai/lo/kristi-bozzo-447941.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/447941",
    "full_name": {
      "value": "Kristi Bozzo",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/kristi",
      "verified_at": "2026-10-09"
    },
    "first_name": "Kristi",
    "last_name": "Bozzo",
    "headshot_url": {
      "value": "https://v5.airtableusercontent.com/v3/u/58/58/1791554400000/QHnb2WnLRnsDWJKZhn9KcA/2XjVdVvqiAfgmahWtuRREs76DqR5SpcM_7TAvjEVt7zQPcgk_u20EcuZuicmrRN_H7lD-tG7vNEz7Smq4pzDyfdWLK4LIiOjhVDDfZ3XkwXmpuWDCd5I1bO7UI2FIVweWg_khIr1GJh9pvTSYEgGaNC2L0Fw_4Z6AzpTLT04mts/MNt6_1QUA_VC1UMxPTKNacnajlFhX-hOsT77Yin3hu4",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/kristi",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Over 20 years of mortgage experience since 2001. Real estate investor herself offering tailored financing solutions for homebuyers and investors, with expertise in conventional, FHA, VA, and jumbo loans.",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/kristi",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/kristi",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/kristi",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 20,
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/kristi",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 1839243,
      "lender_name": "Empire Home Loans",
      "lender_slug": "empire-home-loans-1839243",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.empirehomeloans.com/team/kristi",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/kristi",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1839243,
        "lender_name": "Empire Home Loans",
        "lender_slug": "empire-home-loans-1839243",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.empirehomeloans.com/team/kristi",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/kristi",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO129111",
        "status": "active",
        "issued_at": "2024-05-31",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      }
    ],
    "specialties": [
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/kristi",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "20",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/kristi",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "real estate investor",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/kristi",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 10:03:02.43686+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/kristi-bozzo-447941#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.empirehomeloans.com/team/kristi",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": {
      "date": "2024-05-31",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2024,
      "state": "FL"
    },
    "federal_registration": null
  }
}