{
  "canonical_url": "https://lendb.ai/lo/zoe-omidvar-1390718",
  "lede": {
    "text": "Zoe Omidvar (NMLS 1390718) is a Senior Mortgage Loan Officer at United Nations Federal Credit Union in Mclean, Virginia. Zoe's own profile lists foreign national and first-time buyer as a focus.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Zoe licensed?",
      "a": "Zoe works at a credit union; credit union loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access.",
      "fields": [
        "federal_registration",
        "current_employment"
      ],
      "source": "employer type in LenDb's lender registry",
      "source_url": null,
      "verified_at": "2026-10-16"
    },
    {
      "q": "Does Zoe list foreign national as a focus?",
      "a": "Zoe's profile lists foreign national as a focus (from their lender profile page). It also lists first-time buyer.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://www.unfcu.org/us-home-ownership/find-representative/zoe-omidvar/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Zoe work for?",
      "a": "United Nations Federal Credit Union, company NMLS 456916, from the Mclean, VA office, per the lender's own site (verified 2026-10-16).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.unfcu.org/us-home-ownership/find-representative/zoe-omidvar/",
      "verified_at": "2026-10-16"
    },
    {
      "q": "How much experience does Zoe have?",
      "a": "Zoe states 10 years of experience.",
      "fields": [
        "years_experience"
      ],
      "source": "the loan officer's own statement",
      "source_url": "https://www.unfcu.org/us-home-ownership/find-representative/zoe-omidvar/",
      "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": 1390718,
    "slug": "zoe-omidvar-1390718",
    "canonical_url": "https://lendb.ai/lo/zoe-omidvar-1390718",
    "md_url": "https://lendb.ai/lo/zoe-omidvar-1390718.md",
    "json_url": "https://lendb.ai/lo/zoe-omidvar-1390718.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1390718",
    "full_name": {
      "value": "Zoe Omidvar",
      "source": "lender_site",
      "source_url": "https://www.unfcu.org/us-home-ownership/find-representative/zoe-omidvar/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Zoe",
    "last_name": "Omidvar",
    "headshot_url": {
      "value": "https://www.unfcu.org/globalassets/photos/headshots/photo-mortgage-omidvar.jpg",
      "source": "lender_site",
      "source_url": "https://www.unfcu.org/us-home-ownership/find-representative/zoe-omidvar/",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Zoe Omidvar is a Senior Mortgage Loan Officer in Mclean, VA. They have 10 years of mortgage industry experience and especially help first time home buyers. They have extensive experience with foreign nationals buying homes in the US, and hold a Bachelor of Arts in Economics from University of Tehran.",
      "source": "lender_site",
      "source_url": "https://www.unfcu.org/us-home-ownership/find-representative/zoe-omidvar/",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Senior Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.unfcu.org/us-home-ownership/find-representative/zoe-omidvar/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.unfcu.org/us-home-ownership/find-representative/zoe-omidvar/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 10,
      "source": "lender_site",
      "source_url": "https://www.unfcu.org/us-home-ownership/find-representative/zoe-omidvar/",
      "verified_at": "2026-10-16"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 456916,
      "lender_name": "United Nations Federal Credit Union",
      "lender_slug": "united-nations-federal-credit-union-456916",
      "branch_city": "Mclean",
      "branch_state": "VA",
      "branch_zip": "22102",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.unfcu.org/us-home-ownership/find-representative/zoe-omidvar/",
      "lender_type": "credit_union",
      "source": "lender_site",
      "source_url": "https://www.unfcu.org/us-home-ownership/find-representative/zoe-omidvar/",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 456916,
        "lender_name": "United Nations Federal Credit Union",
        "lender_slug": "united-nations-federal-credit-union-456916",
        "branch_city": "Mclean",
        "branch_state": "VA",
        "branch_zip": "22102",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.unfcu.org/us-home-ownership/find-representative/zoe-omidvar/",
        "lender_type": "credit_union",
        "source": "lender_site",
        "source_url": "https://www.unfcu.org/us-home-ownership/find-representative/zoe-omidvar/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "foreign-national",
        "label": "Foreign national",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://www.unfcu.org/us-home-ownership/find-representative/zoe-omidvar/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.unfcu.org/us-home-ownership/find-representative/zoe-omidvar/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "10",
        "source": "lender_site",
        "source_url": "https://www.unfcu.org/us-home-ownership/find-representative/zoe-omidvar/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "education",
        "value": "Bachelor of Arts in Economics, University of Tehran (Iran)",
        "source": "lender_site",
        "source_url": "https://www.unfcu.org/us-home-ownership/find-representative/zoe-omidvar/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "education",
        "value": "Master of Arts in Urban Planning and Design, Qazvin University (Iran)",
        "source": "lender_site",
        "source_url": "https://www.unfcu.org/us-home-ownership/find-representative/zoe-omidvar/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "other",
        "value": "Mortgage financing at George Mason Mortgage before joining UNFCU",
        "source": "lender_site",
        "source_url": "https://www.unfcu.org/us-home-ownership/find-representative/zoe-omidvar/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 12:48:51.657333+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/zoe-omidvar-1390718#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.unfcu.org/us-home-ownership/find-representative/zoe-omidvar/",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "credit_union",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}