{
  "canonical_url": "https://lendb.ai/lo/zachary-milinkovich-2802697",
  "lede": {
    "text": "Zachary Milinkovich (NMLS 2802697) is a mortgage loan officer at Carrington Mortgage Services, licensed in Texas since 2026 and in Florida and Louisiana. Zachary works at an FHA-approved lender, per HUD.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Zachary licensed in Florida?",
      "a": "Yes. Florida regulator records list license LO147444 as active, first effective May 4, 2026 (verified 2026-10-15). LenDb has 2 other states on file for Zachary.",
      "fields": [
        "licenses"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
      "verified_at": "2026-10-15"
    },
    {
      "q": "What lender does Zachary work for, and is it FHA-approved?",
      "a": "Carrington Mortgage Services, company NMLS 2600, per the lender's own site (verified 2026-10-13). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026).",
      "fields": [
        "current_employment",
        "employer_program_approvals"
      ],
      "source": "lender site; HUD",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    {
      "q": "How long has Zachary been licensed?",
      "a": "The earliest state license record LenDb holds for Zachary is from April 13, 2026 (Texas regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Texas state regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    }
  ],
  "loan_officer": {
    "nmls_id": 2802697,
    "slug": "zachary-milinkovich-2802697",
    "canonical_url": "https://lendb.ai/lo/zachary-milinkovich-2802697",
    "md_url": "https://lendb.ai/lo/zachary-milinkovich-2802697.md",
    "json_url": "https://lendb.ai/lo/zachary-milinkovich-2802697.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2802697",
    "full_name": {
      "value": "Zachary Milinkovich",
      "source": "state_regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    "first_name": "Zachary",
    "last_name": "Milinkovich",
    "headshot_url": null,
    "bio": null,
    "title": null,
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 0,
    "current_employment": {
      "lender_nmls_id": 2600,
      "lender_name": "Carrington Mortgage Services",
      "lender_slug": "carrington-mortgage-services-2600",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": null,
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2600,
        "lender_name": "Carrington Mortgage Services",
        "lender_slug": "carrington-mortgage-services-2600",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": null,
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO147444",
        "status": "active",
        "issued_at": "2026-05-04",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2026-04-13",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed"
      },
      {
        "state": "LA",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/",
        "verified_at": "2026-10-15",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 15:45:45.876635+00",
    "disciplinary_check": "not_checked",
    "gated_contact": null,
    "earliest_license_record": {
      "date": "2026-04-13",
      "state": "TX"
    },
    "licensed_since": {
      "year": 2026,
      "state": "TX"
    },
    "federal_registration": null
  }
}