{
  "canonical_url": "https://lendb.ai/lo/michael-semeraro-1683013",
  "loan_officer": {
    "nmls_id": 1683013,
    "slug": "michael-semeraro-1683013",
    "canonical_url": "https://lendb.ai/lo/michael-semeraro-1683013",
    "md_url": "https://lendb.ai/lo/michael-semeraro-1683013.md",
    "json_url": "https://lendb.ai/lo/michael-semeraro-1683013.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1683013",
    "full_name": {
      "value": "Michael Semeraro",
      "source": "lender_site",
      "source_url": "https://www.cmgfi.com/mysite/mike-semeraro",
      "verified_at": "2026-10-11"
    },
    "first_name": "Michael",
    "last_name": "Semeraro",
    "headshot_url": null,
    "bio": null,
    "title": {
      "value": "Branch Production Manager",
      "source": "lender_site",
      "source_url": "https://www.cmgfi.com/mysite/mike-semeraro",
      "verified_at": "2026-10-11"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.cmgfi.com/mysite/mike-semeraro",
      "verified_at": "2026-10-11"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 50,
    "current_employment": {
      "lender_nmls_id": 1820,
      "lender_name": "CMG Home Loans",
      "lender_slug": "cmg-home-loans-1820",
      "branch_city": "Exton",
      "branch_state": "PA",
      "branch_zip": "19341",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.cmgfi.com/mysite/mike-semeraro",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.cmgfi.com/mysite/mike-semeraro",
      "verified_at": "2026-10-11"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1820,
        "lender_name": "CMG Home Loans",
        "lender_slug": "cmg-home-loans-1820",
        "branch_city": "Exton",
        "branch_state": "PA",
        "branch_zip": "19341",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.cmgfi.com/mysite/mike-semeraro",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.cmgfi.com/mysite/mike-semeraro",
        "verified_at": "2026-10-11"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO123132",
        "status": "active",
        "issued_at": "2023-09-20",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-11",
    "updated_at": "2026-10-11 17:44:54.95669+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/michael-semeraro-1683013#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.cmgfi.com/mysite/mike-semeraro",
      "verified_at": "2026-10-11"
    },
    "earliest_license_record": {
      "date": "2023-09-20",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2023,
      "state": "FL"
    },
    "federal_registration": null
  }
}