{
  "canonical_url": "https://lendb.ai/lo/troy-summers-146800",
  "loan_officer": {
    "nmls_id": 146800,
    "slug": "troy-summers-146800",
    "canonical_url": "https://lendb.ai/lo/troy-summers-146800",
    "md_url": "https://lendb.ai/lo/troy-summers-146800.md",
    "json_url": "https://lendb.ai/lo/troy-summers-146800.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/146800",
    "full_name": {
      "value": "Troy Summers",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/oh/columbus/1121-polaris-pkwy-hla-146800",
      "verified_at": "2026-10-09"
    },
    "first_name": "Troy",
    "last_name": "Summers",
    "headshot_url": {
      "value": "http://a.mktgcdn.com/p/FXkgh-nBtHbvf8EVjjAsGgNRxXg9ae8GVtv8U4z1O1c/534x800.jpg",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/oh/columbus/1121-polaris-pkwy-hla-146800",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Troy has 27 years of experience and specializes in preapproval, first-time homebuyer programs, conforming and jumbo mortgages.",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/oh/columbus/1121-polaris-pkwy-hla-146800",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Senior Home Lending Advisor II CPC",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/oh/columbus/1121-polaris-pkwy-hla-146800",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/oh/columbus/1121-polaris-pkwy-hla-146800",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 15,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 399798,
      "lender_name": "JPMorgan Chase Bank (Chase Home Lending)",
      "lender_slug": "chase-399798",
      "branch_city": "Columbus",
      "branch_state": "OH",
      "branch_zip": "43240",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://homelendingadvisor.chase.com/oh/columbus/1121-polaris-pkwy-hla-146800",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/oh/columbus/1121-polaris-pkwy-hla-146800",
      "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": "Columbus",
        "branch_state": "OH",
        "branch_zip": "43240",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/oh/columbus/1121-polaris-pkwy-hla-146800",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/oh/columbus/1121-polaris-pkwy-hla-146800",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO8895",
        "status": "expired",
        "issued_at": "2011-08-02",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      }
    ],
    "specialties": [
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.14,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/oh/columbus/1121-polaris-pkwy-hla-146800",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.13,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/oh/columbus/1121-polaris-pkwy-hla-146800",
        "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/oh/columbus/1121-polaris-pkwy-hla-146800",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "credential",
        "value": "Chase Certified in Chase Private Client Lending",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/oh/columbus/1121-polaris-pkwy-hla-146800",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 11:35:43.7823+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/troy-summers-146800#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/oh/columbus/1121-polaris-pkwy-hla-146800",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2011,
      "state": "FL"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}