{
  "canonical_url": "https://lendb.ai/lo/trish-modrowski-1319704",
  "lede": {
    "text": "Trish Modrowski, NMLS 1319704, works as a Sr. Mortgage Banker at NBH Bank in Fort Collins, Colorado and is licensed in Colorado since 2015. Trish's lender page shows a focus on FHA loan and VA loan.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Trish licensed in Colorado?",
      "a": "Yes. Colorado regulator records list license 100500605 as active, first effective October 22, 2015 (verified 2026-10-16).",
      "fields": [
        "licenses"
      ],
      "source": "Colorado state regulator",
      "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=166927&contact=364870",
      "verified_at": "2026-10-16"
    },
    {
      "q": "Does Trish do FHA loans?",
      "a": "Trish's profile lists FHA loan as a focus (from their lender profile page). It also lists VA loan.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://www.cobnks.com/banker/trish-modrowski/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Trish work for?",
      "a": "NBH Bank, company NMLS 465954, from the Fort Collins, CO office, per the lender's own site (verified 2026-10-16).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.cobnks.com/banker/trish-modrowski/",
      "verified_at": "2026-10-16"
    },
    {
      "q": "How long has Trish been licensed?",
      "a": "The earliest state license record LenDb holds for Trish is from October 22, 2015 (Colorado regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Colorado state regulator",
      "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=166927&contact=364870",
      "verified_at": "2026-10-16"
    }
  ],
  "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": 1319704,
    "slug": "trish-modrowski-1319704",
    "canonical_url": "https://lendb.ai/lo/trish-modrowski-1319704",
    "md_url": "https://lendb.ai/lo/trish-modrowski-1319704.md",
    "json_url": "https://lendb.ai/lo/trish-modrowski-1319704.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1319704",
    "full_name": {
      "value": "Trish Modrowski",
      "source": "lender_site",
      "source_url": "https://www.cobnks.com/banker/trish-modrowski/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Trish",
    "last_name": "Modrowski",
    "licensed_names": [
      {
        "name": "Patricia Modrowski",
        "name_with_middle_initial": "Patricia M. Modrowski",
        "first_name": "Patricia",
        "middle_initial": "M",
        "last_name": "Modrowski",
        "states": [
          "CO"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-09"
      }
    ],
    "headshot_url": {
      "value": "https://www.cobnks.com/wp-content/uploads/2024/04/26-01-Headshot-500-X-500.png",
      "source": "lender_site",
      "source_url": "https://www.cobnks.com/banker/trish-modrowski/",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Trish Modrowski is a Sr. Mortgage Banker in Fort Collins, CO. They state they have extensive experience in residential mortgage lending, with expertise in VA, FHA and specialty loan programs and a focus on structuring complex transactions.",
      "source": "lender_site",
      "source_url": "https://www.cobnks.com/banker/trish-modrowski/",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Sr. Mortgage Banker",
      "source": "lender_site",
      "source_url": "https://www.cobnks.com/banker/trish-modrowski/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.cobnks.com/banker/trish-modrowski/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 465954,
      "lender_name": "NBH Bank",
      "lender_slug": "nbh-bank-465954",
      "branch_city": "Fort Collins",
      "branch_state": "CO",
      "branch_zip": "80525",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.cobnks.com/banker/trish-modrowski/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.cobnks.com/banker/trish-modrowski/",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 465954,
        "lender_name": "NBH Bank",
        "lender_slug": "nbh-bank-465954",
        "branch_city": "Fort Collins",
        "branch_state": "CO",
        "branch_zip": "80525",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.cobnks.com/banker/trish-modrowski/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.cobnks.com/banker/trish-modrowski/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": "100500605",
        "status": "active",
        "issued_at": "2015-10-22",
        "source": "state_regulator",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=166927&contact=364870",
        "verified_at": "2026-10-16",
        "confidence": "confirmed",
        "regulator": "co"
      }
    ],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.cobnks.com/banker/trish-modrowski/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.cobnks.com/banker/trish-modrowski/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "other",
        "value": "Known for building lasting relationships with clients, agents and industry partners",
        "source": "lender_site",
        "source_url": "https://www.cobnks.com/banker/trish-modrowski/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 13:44:52.089952+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/trish-modrowski-1319704#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.cobnks.com/banker/trish-modrowski/",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": {
      "date": "2015-10-22",
      "state": "CO"
    },
    "licensed_since": {
      "year": 2015,
      "state": "CO"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}