{
  "canonical_url": "https://lendb.ai/lo/veronica-montoto-280067",
  "loan_officer": {
    "nmls_id": 280067,
    "slug": "veronica-montoto-280067",
    "canonical_url": "https://lendb.ai/lo/veronica-montoto-280067",
    "md_url": "https://lendb.ai/lo/veronica-montoto-280067.md",
    "json_url": "https://lendb.ai/lo/veronica-montoto-280067.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/280067",
    "full_name": {
      "value": "Veronica Montoto",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/veronica-montoto/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Veronica",
    "last_name": "Montoto",
    "headshot_url": {
      "value": "https://www.thefederalsavingsbank.com/wp-content/uploads/2025/08/280067.jpg",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/veronica-montoto/",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Veronica Montoto is a Vice President with more than 20 years in the mortgage business and joined the bank in August 2025. They have focused on community reinvestment involvement over the last decade and were nominated for a 2024 IMBA Best in the Biz Award. They help clients buy a first, second, or investment property.",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/veronica-montoto/",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Vice President",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/veronica-montoto/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/veronica-montoto/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 20,
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/veronica-montoto/",
      "verified_at": "2026-10-16"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 411500,
      "lender_name": "The Federal Savings Bank",
      "lender_slug": "the-federal-savings-bank-411500",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.thefederalsavingsbank.com/bankers/veronica-montoto/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.thefederalsavingsbank.com/bankers/veronica-montoto/",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 411500,
        "lender_name": "The Federal Savings Bank",
        "lender_slug": "the-federal-savings-bank-411500",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.thefederalsavingsbank.com/bankers/veronica-montoto/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/veronica-montoto/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [],
    "lender_offers": [
      {
        "slug": "va",
        "label": "VA loan",
        "lender_nmls_id": 411500,
        "lender_name": "The Federal Savings Bank",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/",
        "verified_at": "2026-10-16"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "20",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/veronica-montoto/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "credential",
        "value": "Nominated for 2024 IMBA Best in the Biz Award, Best Specialty Lending Loan Officer category",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/veronica-montoto/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "community",
        "value": "Community reinvestment involvement, focused on over the last 10 years",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/veronica-montoto/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "other",
        "value": "Joined The Federal Savings Bank in August 2025",
        "source": "lender_site",
        "source_url": "https://www.thefederalsavingsbank.com/bankers/veronica-montoto/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 10:31:14.592316+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/veronica-montoto-280067#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.thefederalsavingsbank.com/bankers/veronica-montoto/",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}