{
  "canonical_url": "https://lendb.ai/lo/todd-zurik-120120",
  "lede": {
    "text": "Based in Gilbert, Arizona, Todd Zurik (NMLS 120120) is a Loan Originator at Barrett Financial Group, licensed in Texas since 2015. Todd's focus, from their own profile, includes reverse mortgage.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Todd licensed in Texas?",
      "a": "Yes. Texas regulator records list a license as active, first effective July 13, 2015 (verified 2026-10-13). LenDb has 3 other states on file for Todd.",
      "fields": [
        "licenses"
      ],
      "source": "Texas state regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    {
      "q": "Does Todd do reverse mortgages?",
      "a": "Todd's profile lists reverse mortgage as a focus (from their lender profile page).",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://www.barrettfinancial.com/tzurik",
      "verified_at": "2026-10-20"
    },
    {
      "q": "What lender does Todd work for?",
      "a": "Barrett Financial Group, company NMLS 181106, from the Gilbert, AZ office, per the lender's own site (verified 2026-10-20).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.barrettfinancial.com/tzurik",
      "verified_at": "2026-10-20"
    },
    {
      "q": "How long has Todd been licensed?",
      "a": "The earliest state license record LenDb holds for Todd is from July 13, 2015 (Texas regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Todd states 30 years of experience.",
      "fields": [
        "earliest_license_record",
        "years_experience"
      ],
      "source": "Texas state regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    }
  ],
  "field_notes": {
    "languages": "Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it."
  },
  "loan_officer": {
    "nmls_id": 120120,
    "slug": "todd-zurik-120120",
    "canonical_url": "https://lendb.ai/lo/todd-zurik-120120",
    "md_url": "https://lendb.ai/lo/todd-zurik-120120.md",
    "json_url": "https://lendb.ai/lo/todd-zurik-120120.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/120120",
    "full_name": {
      "value": "Todd Zurik",
      "source": "state_regulator",
      "source_url": "https://www.barrettfinancial.com/tzurik",
      "verified_at": "2026-10-20"
    },
    "first_name": "Todd",
    "last_name": "Zurik",
    "licensed_names": [
      {
        "name": "Todd Zurik",
        "name_with_middle_initial": "Todd W. Zurik",
        "first_name": "Todd",
        "middle_initial": "W",
        "last_name": "Zurik",
        "states": [
          "FL",
          "IA",
          "TX"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-19"
      }
    ],
    "headshot_url": {
      "value": "https://di1v4rx98wr59.cloudfront.net/0a4e3d21ffa3b/adfbe643a53cac9eb0dc64891c98046da4787026.png",
      "source": "state_regulator",
      "source_url": "https://www.barrettfinancial.com/tzurik",
      "verified_at": "2026-10-20"
    },
    "bio": null,
    "title": {
      "value": "Loan Originator",
      "source": "state_regulator",
      "source_url": "https://www.barrettfinancial.com/tzurik",
      "verified_at": "2026-10-20"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://www.barrettfinancial.com/tzurik",
      "verified_at": "2026-10-20"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 30,
      "source": "lender_site",
      "source_url": "https://www.barrettfinancial.com/tzurik",
      "verified_at": "2026-10-20"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 181106,
      "lender_name": "Barrett Financial Group",
      "lender_slug": "barrett-financial-181106",
      "branch_city": "Gilbert",
      "branch_state": "AZ",
      "branch_zip": "85297",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.barrettfinancial.com/tzurik",
      "lender_type": "broker",
      "source": "state_regulator",
      "source_url": "https://www.barrettfinancial.com/tzurik",
      "verified_at": "2026-10-20"
    },
    "employment_history": [
      {
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "lender_slug": "barrett-financial-181106",
        "branch_city": "Gilbert",
        "branch_state": "AZ",
        "branch_zip": "85297",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.barrettfinancial.com/tzurik",
        "lender_type": "broker",
        "source": "state_regulator",
        "source_url": "https://www.barrettfinancial.com/tzurik",
        "verified_at": "2026-10-20"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO35336",
        "status": "expired",
        "issued_at": "2016-05-26",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2015-07-13",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      },
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/tzurik",
        "verified_at": "2026-10-20",
        "confidence": "lender_reported"
      },
      {
        "state": "ID",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/tzurik",
        "verified_at": "2026-10-20",
        "confidence": "lender_reported"
      },
      {
        "state": "WA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/tzurik",
        "verified_at": "2026-10-20",
        "confidence": "lender_reported"
      },
      {
        "state": "IA",
        "license_type": "state_license",
        "license_number": "26548",
        "status": "expired",
        "issued_at": "2016-04-20",
        "source": "state_regulator",
        "source_url": "https://idob.iowa.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ia"
      }
    ],
    "specialties": [
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/tzurik",
        "verified_at": "2026-10-20"
      }
    ],
    "lender_offers": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "heloc",
        "label": "HELOC",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "non-qm",
        "label": "Non-QM loan",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/toddzurik/",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/tzurik",
        "verified_at": "2026-10-20"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "30",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/tzurik",
        "verified_at": "2026-10-20"
      },
      {
        "kind": "credential",
        "value": "Certified Reverse Mortgage Professional (CRMP)",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/tzurik",
        "verified_at": "2026-10-20"
      }
    ],
    "last_verified_at": "2026-10-20",
    "updated_at": "2026-10-20 13:43:11.962273+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/todd-zurik-120120#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.barrettfinancial.com/tzurik",
      "verified_at": "2026-10-20"
    },
    "earliest_license_record": {
      "date": "2015-07-13",
      "state": "TX"
    },
    "licensed_since": {
      "year": 2015,
      "state": "TX"
    },
    "federal_registration": null
  }
}