{
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    "slug": "liz-ciardi-455129",
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    "md_url": "https://lendb.ai/lo/liz-ciardi-455129.md",
    "json_url": "https://lendb.ai/lo/liz-ciardi-455129.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/455129",
    "full_name": {
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      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/liz-ciardi-455129",
      "verified_at": "2026-10-15"
    },
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    "last_name": "Ciardi",
    "headshot_url": {
      "value": "https://a.mktgcdn.com/p/I9E2YtQ_o9IAEtPTOvxQxkknRZxd7As3GUKXnwKKO9M/191x275.jpg",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/liz-ciardi-455129",
      "verified_at": "2026-10-15"
    },
    "bio": {
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      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/liz-ciardi-455129",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "VP of Mortgage Lending",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/liz-ciardi-455129",
      "verified_at": "2026-10-15"
    },
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      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/liz-ciardi-455129",
      "verified_at": "2026-10-15"
    },
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      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/liz-ciardi-455129",
      "verified_at": "2026-10-15"
    },
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    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
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      "lender_name": "Guaranteed Rate Affinity, LLC",
      "lender_slug": "guaranteed-rate-affinity-llc-1598647",
      "branch_city": "Charlotte",
      "branch_state": "NC",
      "branch_zip": "28277",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.grarate.com/loan-officers/liz-ciardi-455129",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/liz-ciardi-455129",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1598647,
        "lender_name": "Guaranteed Rate Affinity, LLC",
        "lender_slug": "guaranteed-rate-affinity-llc-1598647",
        "branch_city": "Charlotte",
        "branch_state": "NC",
        "branch_zip": "28277",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.grarate.com/loan-officers/liz-ciardi-455129",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/liz-ciardi-455129",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [],
    "specialties": [],
    "lender_offers": [],
    "employer_program_approvals": [
      {
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        "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": "35",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/liz-ciardi-455129",
        "verified_at": "2026-10-15"
      },
      {
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        "value": "Vice President of Lending",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/liz-ciardi-455129",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "credential",
        "value": "Ranked in the Top 1% of Loan Officers for multiple years",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/liz-ciardi-455129",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "credential",
        "value": "Top Female Loan Officer award (several times)",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/liz-ciardi-455129",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "credential",
        "value": "Piedmont Regional Association Affiliate of the Year Award",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/liz-ciardi-455129",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "community",
        "value": "Board of Directors, Carolina Crown Drum and Bugle Corps",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/liz-ciardi-455129",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "community",
        "value": "Board Member, Children's Attention Home",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/liz-ciardi-455129",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 11:02:43.258332+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/liz-ciardi-455129#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.grarate.com/loan-officers/liz-ciardi-455129",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}