{
  "canonical_url": "https://lendb.ai/lo/michelle-dapkus-1237812",
  "loan_officer": {
    "nmls_id": 1237812,
    "slug": "michelle-dapkus-1237812",
    "canonical_url": "https://lendb.ai/lo/michelle-dapkus-1237812",
    "md_url": "https://lendb.ai/lo/michelle-dapkus-1237812.md",
    "json_url": "https://lendb.ai/lo/michelle-dapkus-1237812.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1237812",
    "full_name": {
      "value": "Michelle Dapkus",
      "source": "lender_site",
      "source_url": "https://stlouis.veteransunited.com/lo/michelle-dapkus/",
      "verified_at": "2026-10-10"
    },
    "first_name": "Michelle",
    "last_name": "Dapkus",
    "headshot_url": {
      "value": "https://www.veteransunited.com/assets/craft/images/loanofficers/michelle-dapkus/1237812.jpg",
      "source": "lender_site",
      "source_url": "https://stlouis.veteransunited.com/lo/michelle-dapkus/",
      "verified_at": "2026-10-10"
    },
    "bio": {
      "value": "Michelle has been on the branch loan team since 2011 and focuses on giving each borrower a smooth, stress-free experience from start to finish.",
      "source": "lender_site",
      "source_url": "https://stlouis.veteransunited.com/lo/michelle-dapkus/",
      "verified_at": "2026-10-10"
    },
    "title": {
      "value": "Branch Manager",
      "source": "lender_site",
      "source_url": "https://stlouis.veteransunited.com/lo/michelle-dapkus/",
      "verified_at": "2026-10-10"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://stlouis.veteransunited.com/lo/michelle-dapkus/",
      "verified_at": "2026-10-10"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 1907,
      "lender_name": "Veterans United Home Loans",
      "lender_slug": "veterans-united-home-loans-1907",
      "branch_city": "Scott Air Force Base",
      "branch_state": "IL",
      "branch_zip": "62225",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://stlouis.veteransunited.com/lo/michelle-dapkus/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://stlouis.veteransunited.com/lo/michelle-dapkus/",
      "verified_at": "2026-10-10"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1907,
        "lender_name": "Veterans United Home Loans",
        "lender_slug": "veterans-united-home-loans-1907",
        "branch_city": "Scott Air Force Base",
        "branch_state": "IL",
        "branch_zip": "62225",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://stlouis.veteransunited.com/lo/michelle-dapkus/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://stlouis.veteransunited.com/lo/michelle-dapkus/",
        "verified_at": "2026-10-10"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO28278",
        "status": "active",
        "issued_at": "2015-02-03",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "lender_offers": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "lender_nmls_id": 1907,
        "lender_name": "Veterans United Home Loans",
        "source": "lender_site",
        "source_url": "https://www.veteransunited.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "lender_nmls_id": 1907,
        "lender_name": "Veterans United Home Loans",
        "source": "lender_site",
        "source_url": "https://www.veteransunited.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "lender_nmls_id": 1907,
        "lender_name": "Veterans United Home Loans",
        "source": "lender_site",
        "source_url": "https://www.veteransunited.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "lender_nmls_id": 1907,
        "lender_name": "Veterans United Home Loans",
        "source": "lender_site",
        "source_url": "https://www.veteransunited.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "lender_nmls_id": 1907,
        "lender_name": "Veterans United Home Loans",
        "source": "lender_site",
        "source_url": "https://www.veteransunited.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "lender_nmls_id": 1907,
        "lender_name": "Veterans United Home Loans",
        "source": "lender_site",
        "source_url": "https://www.veteransunited.com",
        "verified_at": "2026-10-10"
      }
    ],
    "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": "role",
        "value": "Co-Branch Manager and Loan Officer",
        "source": "lender_site",
        "source_url": "https://stlouis.veteransunited.com/lo/michelle-dapkus/",
        "verified_at": "2026-10-10"
      },
      {
        "kind": "other",
        "value": "On the loan team since the branch opened in 2011",
        "source": "lender_site",
        "source_url": "https://stlouis.veteransunited.com/lo/michelle-dapkus/",
        "verified_at": "2026-10-10"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 15:45:45.876635+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/michelle-dapkus-1237812#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://stlouis.veteransunited.com/lo/michelle-dapkus/",
      "verified_at": "2026-10-10"
    },
    "earliest_license_record": {
      "date": "2015-02-03",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2015,
      "state": "FL"
    },
    "federal_registration": null
  }
}