{
  "canonical_url": "https://lendb.ai/lo/rosy-carranza-1031531",
  "loan_officer": {
    "nmls_id": 1031531,
    "slug": "rosy-carranza-1031531",
    "canonical_url": "https://lendb.ai/lo/rosy-carranza-1031531",
    "md_url": "https://lendb.ai/lo/rosy-carranza-1031531.md",
    "json_url": "https://lendb.ai/lo/rosy-carranza-1031531.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1031531",
    "full_name": {
      "value": "Rosy Carranza",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/wa/everett/2628-colby-ave-hla-1031531",
      "verified_at": "2026-10-09"
    },
    "first_name": "Rosy",
    "last_name": "Carranza",
    "headshot_url": {
      "value": "http://a.mktgcdn.com/p/OSe58zIMOq4rWqhavMEa9OE-C9nHOHuUZcK2UCBNgWY/723x1083.jpg",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/wa/everett/2628-colby-ave-hla-1031531",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Rosy speaks Spanish fluently and specializes in preapproval, low-to-moderate income lending, borrowers with limited credit history, and home equity lines of credit.",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/wa/everett/2628-colby-ave-hla-1031531",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Community Home Lending Advisor",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/wa/everett/2628-colby-ave-hla-1031531",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [
        "es"
      ],
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/wa/everett/2628-colby-ave-hla-1031531",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 399798,
      "lender_name": "JPMorgan Chase Bank (Chase Home Lending)",
      "lender_slug": "chase-399798",
      "branch_city": "Everett",
      "branch_state": "WA",
      "branch_zip": "98201",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://homelendingadvisor.chase.com/wa/everett/2628-colby-ave-hla-1031531",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/wa/everett/2628-colby-ave-hla-1031531",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 399798,
        "lender_name": "JPMorgan Chase Bank (Chase Home Lending)",
        "lender_slug": "chase-399798",
        "branch_city": "Everett",
        "branch_state": "WA",
        "branch_zip": "98201",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/wa/everett/2628-colby-ave-hla-1031531",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/wa/everett/2628-colby-ave-hla-1031531",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "heloc",
        "label": "HELOC",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/wa/everett/2628-colby-ave-hla-1031531",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.46,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/wa/everett/2628-colby-ave-hla-1031531",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/wa/everett/2628-colby-ave-hla-1031531",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/rosycarranza1031531/",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/wa/everett/2628-colby-ave-hla-1031531",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "service_area",
        "value": "Snohomish County area, WA",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/wa/everett/2628-colby-ave-hla-1031531",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Chase Certified in FHA Loans",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/wa/everett/2628-colby-ave-hla-1031531",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 22:07:44.124838+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/rosy-carranza-1031531#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://homelendingadvisor.chase.com/wa/everett/2628-colby-ave-hla-1031531",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}