{
  "canonical_url": "https://lendb.ai/lo/nicole-renee-nuss-2580652",
  "loan_officer": {
    "nmls_id": 2580652,
    "slug": "nicole-renee-nuss-2580652",
    "canonical_url": "https://lendb.ai/lo/nicole-renee-nuss-2580652",
    "md_url": "https://lendb.ai/lo/nicole-renee-nuss-2580652.md",
    "json_url": "https://lendb.ai/lo/nicole-renee-nuss-2580652.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2580652",
    "full_name": {
      "value": "Nicole Renee Nuss",
      "source": "lender_site",
      "source_url": "https://www.zpmloans.com/ZPM-Officers/nicole-renee-nuss",
      "verified_at": "2026-10-15"
    },
    "first_name": "Nicole Renee",
    "last_name": "Nuss",
    "headshot_url": {
      "value": "https://irp.cdn-website.com/99454db7/dms3rep/multi/opt/Nicole-Peggy+-+Nicole+Nuss-1920w.png",
      "source": "lender_site",
      "source_url": "https://www.zpmloans.com/ZPM-Officers/nicole-renee-nuss",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": null,
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.zpmloans.com/ZPM-Officers/nicole-renee-nuss",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 60,
    "current_employment": {
      "lender_nmls_id": 1216108,
      "lender_name": "Zero Point Mortgage Services",
      "lender_slug": "zero-point-mortgage-services-1216108",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.zpmloans.com/ZPM-Officers/nicole-renee-nuss",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.zpmloans.com/ZPM-Officers/nicole-renee-nuss",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1216108,
        "lender_name": "Zero Point Mortgage Services",
        "lender_slug": "zero-point-mortgage-services-1216108",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.zpmloans.com/ZPM-Officers/nicole-renee-nuss",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.zpmloans.com/ZPM-Officers/nicole-renee-nuss",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "AZ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.zpmloans.com/ZPM-Officers/nicole-renee-nuss",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.zpmloans.com/ZPM-Officers/nicole-renee-nuss",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.zpmloans.com/ZPM-Officers/nicole-renee-nuss",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "NM",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.zpmloans.com/ZPM-Officers/nicole-renee-nuss",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.zpmloans.com/ZPM-Officers/nicole-renee-nuss",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.zpmloans.com/ZPM-Officers/nicole-renee-nuss",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.zpmloans.com/ZPM-Officers/nicole-renee-nuss",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://www.zpmloans.com/ZPM-Officers/nicole-renee-nuss",
        "verified_at": "2026-10-15"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "education",
        "value": "first in family to graduate college",
        "source": "lender_site",
        "source_url": "https://www.zpmloans.com/ZPM-Officers/nicole-renee-nuss",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "education",
        "value": "graduate school",
        "source": "lender_site",
        "source_url": "https://www.zpmloans.com/ZPM-Officers/nicole-renee-nuss",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "owned and operated a bakery in Berkeley, Calif. for 10 years",
        "source": "lender_site",
        "source_url": "https://www.zpmloans.com/ZPM-Officers/nicole-renee-nuss",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "community",
        "value": "longtime advocate for senior dog and cat adoption",
        "source": "lender_site",
        "source_url": "https://www.zpmloans.com/ZPM-Officers/nicole-renee-nuss",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "community",
        "value": "donates 5% of commission on every closed loan to clients' local animal shelter or rescue group",
        "source": "lender_site",
        "source_url": "https://www.zpmloans.com/ZPM-Officers/nicole-renee-nuss",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 18:43:07.983183+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office"
      ],
      "reveal_url": "https://lendb.ai/lo/nicole-renee-nuss-2580652#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.zpmloans.com/ZPM-Officers/nicole-renee-nuss",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}