{
  "canonical_url": "https://lendb.ai/lo/michael-bisbee-64809",
  "lede": {
    "text": "Michael Bisbee, NMLS 64809, works as a Loan Officer at Cliffco, Inc. in Uniondale, New York and is licensed in New York. Michael works at an FHA-approved lender, per HUD.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Michael licensed in New York?",
      "a": "Yes. New York regulator records list a license as active (verified 2026-10-14).",
      "fields": [
        "licenses"
      ],
      "source": "New York state regulator",
      "source_url": "https://www.dfs.ny.gov/",
      "verified_at": "2026-10-14"
    },
    {
      "q": "What lender does Michael work for, and is it FHA-approved?",
      "a": "Cliffco, Inc., company NMLS 65328, from the Uniondale, NY office, per the lender's own site (verified 2026-10-15). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026).",
      "fields": [
        "current_employment",
        "employer_program_approvals"
      ],
      "source": "lender site; HUD",
      "source_url": "https://cliffcomortgage.com/mbisbee/",
      "verified_at": "2026-10-15"
    }
  ],
  "field_notes": {
    "languages": "Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it."
  },
  "loan_officer": {
    "nmls_id": 64809,
    "slug": "michael-bisbee-64809",
    "canonical_url": "https://lendb.ai/lo/michael-bisbee-64809",
    "md_url": "https://lendb.ai/lo/michael-bisbee-64809.md",
    "json_url": "https://lendb.ai/lo/michael-bisbee-64809.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/64809",
    "full_name": {
      "value": "Michael Bisbee",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/mbisbee/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Michael",
    "last_name": "Bisbee",
    "licensed_names": [
      {
        "name": "Michael Bisbee",
        "name_with_middle_initial": "Michael R. Bisbee",
        "first_name": "Michael",
        "middle_initial": "R",
        "last_name": "Bisbee",
        "states": [
          "NY"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-13"
      }
    ],
    "headshot_url": {
      "value": "https://cliffcomortgage.com/wp-content/uploads/2024/12/Michael_Bisbee_web2.webp",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/mbisbee/",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Michael Bisbee has originated residential mortgage loans since 1986 and says they have run their own mortgage company for over 25 years. They are licensed in New York and say they enjoy educating applicants on the process.",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/mbisbee/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/mbisbee/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/mbisbee/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 65328,
      "lender_name": "Cliffco, Inc.",
      "lender_slug": "cliffco-inc-65328",
      "branch_city": "Uniondale",
      "branch_state": "NY",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://cliffcomortgage.com/mbisbee/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://cliffcomortgage.com/mbisbee/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 65328,
        "lender_name": "Cliffco, Inc.",
        "lender_slug": "cliffco-inc-65328",
        "branch_city": "Uniondale",
        "branch_state": "NY",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://cliffcomortgage.com/mbisbee/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/mbisbee/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "NY",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.dfs.ny.gov/",
        "verified_at": "2026-10-14",
        "confidence": "confirmed",
        "regulator": "ny"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "employer_program_approvals": [
      {
        "program": "fha",
        "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": "since 1986",
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/mbisbee/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "role",
        "value": "ran own mortgage company for over 25 years",
        "source": "lender_site",
        "source_url": "https://cliffcomortgage.com/mbisbee/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 17:16:20.546058+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/michael-bisbee-64809#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://cliffcomortgage.com/mbisbee/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}