{
  "canonical_url": "https://lendb.ai/lo/nino-arapi-2227209",
  "loan_officer": {
    "nmls_id": 2227209,
    "slug": "nino-arapi-2227209",
    "canonical_url": "https://lendb.ai/lo/nino-arapi-2227209",
    "md_url": "https://lendb.ai/lo/nino-arapi-2227209.md",
    "json_url": "https://lendb.ai/lo/nino-arapi-2227209.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2227209",
    "full_name": {
      "value": "Nino Arapi",
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/NinoArapi",
      "verified_at": "2026-10-09"
    },
    "first_name": "Nino",
    "last_name": "Arapi",
    "headshot_url": {
      "value": "https://a.ruoff.com/image/fd62b2477484b01923a4eb3bb33d9602/size/600/type/fullShoulder",
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/NinoArapi",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Nino is a service-focused mortgage officer serving Indiana and Kentucky, known for thorough pre-approvals and clear communication. He has marketing and business development background, working with all major loan types for first-time buyers, move-up buyers, refinances, and investors.",
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/NinoArapi",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "VP | Branch Manager",
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/NinoArapi",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/NinoArapi",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 75,
    "current_employment": {
      "lender_nmls_id": 141868,
      "lender_name": "Ruoff Mortgage",
      "lender_slug": "ruoff-mortgage-141868",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.ruoff.com/NinoArapi",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.ruoff.com/NinoArapi",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 141868,
        "lender_name": "Ruoff Mortgage",
        "lender_slug": "ruoff-mortgage-141868",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.ruoff.com/NinoArapi",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/NinoArapi",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "IN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/NinoArapi",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "KY",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/NinoArapi",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/NinoArapi",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/NinoArapi",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/NinoArapi",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/NinoArapi",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/NinoArapi",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "service_area",
        "value": "Indiana and Kentucky",
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/NinoArapi",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "Bachelor of Science in Exercise Science from Manchester University",
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/NinoArapi",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "other",
        "value": "Background in marketing and business development for a physical therapy company",
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/NinoArapi",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "Graduate of Southport High School",
        "source": "lender_site",
        "source_url": "https://www.ruoff.com/NinoArapi",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 07:37:03.52941+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office"
      ],
      "reveal_url": "https://lendb.ai/lo/nino-arapi-2227209#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.ruoff.com/NinoArapi",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": null
  }
}