{
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  "loan_officer": {
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    "md_url": "https://lendb.ai/lo/michael-stepek-28268.md",
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    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/28268",
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      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/michael-stepek-28268",
      "verified_at": "2026-10-15"
    },
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    "headshot_url": {
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      "verified_at": "2026-10-15"
    },
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      "source_url": "https://www.grarate.com/loan-officers/michael-stepek-28268",
      "verified_at": "2026-10-15"
    },
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      "source_url": "https://www.grarate.com/loan-officers/michael-stepek-28268",
      "verified_at": "2026-10-15"
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      "verified_at": "2026-10-15"
    },
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    "years_experience": null,
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    "claimed_at": null,
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      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.grarate.com/loan-officers/michael-stepek-28268",
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      "source_url": "https://www.grarate.com/loan-officers/michael-stepek-28268",
      "verified_at": "2026-10-15"
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        "lender_slug": "guaranteed-rate-affinity-llc-1598647",
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        "end_date": null,
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        "source_url": "https://www.grarate.com/loan-officers/michael-stepek-28268",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
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        "license_number": null,
        "status": "listed_on_lender_site",
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        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/michael-stepek-28268",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "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"
      }
    ],
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        "source_url": "https://www.grarate.com/loan-officers/michael-stepek-28268",
        "verified_at": "2026-10-15"
      }
    ],
    "disciplinary_actions": [],
    "media": [
      {
        "kind": "video_intro",
        "summary": "Michael has a short recorded video intro on Guaranteed Rate Affinity, LLC's site.",
        "listen_url": "https://www.grarate.com/loan-officers/michael-stepek-28268",
        "duration_seconds": null,
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/michael-stepek-28268",
        "verified_at": "2026-10-15"
      }
    ],
    "facts": [
      {
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        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/michael-stepek-28268",
        "verified_at": "2026-10-15"
      },
      {
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        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/michael-stepek-28268",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
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        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/michael-stepek-28268",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 09:25:36.424371+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/michael-stepek-28268#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/michael-stepek-28268",
      "verified_at": "2026-10-15"
    },
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    "licensed_since": null,
    "federal_registration": null
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}