{
  "canonical_url": "https://lendb.ai/lo/zachary-rathjen-1885995",
  "loan_officer": {
    "nmls_id": 1885995,
    "slug": "zachary-rathjen-1885995",
    "canonical_url": "https://lendb.ai/lo/zachary-rathjen-1885995",
    "md_url": "https://lendb.ai/lo/zachary-rathjen-1885995.md",
    "json_url": "https://lendb.ai/lo/zachary-rathjen-1885995.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1885995",
    "full_name": {
      "value": "Zachary Rathjen",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/zachary-rathjen",
      "verified_at": "2026-10-09"
    },
    "first_name": "Zachary",
    "last_name": "Rathjen",
    "headshot_url": {
      "value": "https://www.totalmortgage.com/_next/image?url=https%3A%2F%2Fwww.totalmortgage.com%2Fstatic%2Fuploads%2Fheadshots%2FZachary_Rathjen_1885995%2FZachary_Rathjen_1885995_1764094081605_original.jpg&w=640&q=75",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/zachary-rathjen",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Zachary serves as Branch Manager of the Brevard Branch with over ten years of mortgage industry experience. He resides in Satellite Beach, Florida and is actively involved in community coaching and volunteering.",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/zachary-rathjen",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Banker",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/zachary-rathjen",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/zachary-rathjen",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 2,
    "years_experience": {
      "value": 10,
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/zachary-rathjen",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
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      "lender_name": "Total Mortgage Services",
      "lender_slug": "total-mortgage-services-2764",
      "branch_city": "Naples",
      "branch_state": "FL",
      "branch_zip": "34113",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.totalmortgage.com/bankers/zachary-rathjen",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/zachary-rathjen",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2764,
        "lender_name": "Total Mortgage Services",
        "lender_slug": "total-mortgage-services-2764",
        "branch_city": "Naples",
        "branch_state": "FL",
        "branch_zip": "34113",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.totalmortgage.com/bankers/zachary-rathjen",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/zachary-rathjen",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO127790",
        "status": "active",
        "issued_at": "2024-04-15",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "10",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/zachary-rathjen",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Branch Manager of Brevard Branch",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/zachary-rathjen",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "Graduate of Eastern Florida State College",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/zachary-rathjen",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Elected Treasurer of Surfside Elementary; volunteers with Keep Brevard Blue and Police Athletic League; coaches local youth sports",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/zachary-rathjen",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 09:05:50.232262+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/zachary-rathjen-1885995#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.totalmortgage.com/bankers/zachary-rathjen",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2024,
      "state": "FL"
    },
    "federal_registration": null
  }
}