{
  "canonical_url": "https://lendb.ai/lo/mike-johns-223928",
  "loan_officer": {
    "nmls_id": 223928,
    "slug": "mike-johns-223928",
    "canonical_url": "https://lendb.ai/lo/mike-johns-223928",
    "md_url": "https://lendb.ai/lo/mike-johns-223928.md",
    "json_url": "https://lendb.ai/lo/mike-johns-223928.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/223928",
    "full_name": {
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      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/mike-johns-223928",
      "verified_at": "2026-10-15"
    },
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    "last_name": "Johns",
    "headshot_url": {
      "value": "https://a.mktgcdn.com/p/u_xpJ-TVUGUeG9QrVWJgOzfWCsTMZlWgDe2FJOEqpOc/191x275.jpg",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/mike-johns-223928",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Mortgage banker since 1977 and former producing branch manager in Chicago. Has worked on over 60 condominium projects and moved to Sedona, AZ in 2011.",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/mike-johns-223928",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "VP of Mortgage Lending",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/mike-johns-223928",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/mike-johns-223928",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 75,
    "current_employment": {
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      "lender_slug": "guaranteed-rate-affinity-llc-1598647",
      "branch_city": "Sedona",
      "branch_state": "AZ",
      "branch_zip": "86336",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.grarate.com/loan-officers/mike-johns-223928",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.grarate.com/loan-officers/mike-johns-223928",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
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        "lender_name": "Guaranteed Rate Affinity, LLC",
        "lender_slug": "guaranteed-rate-affinity-llc-1598647",
        "branch_city": "Sedona",
        "branch_state": "AZ",
        "branch_zip": "86336",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.grarate.com/loan-officers/mike-johns-223928",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/mike-johns-223928",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/mike-johns-223928",
        "verified_at": "2026-10-15"
      }
    ],
    "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": [
      {
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        "value": "https://www.linkedin.com/in/michael-johns-0160b926/",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/mike-johns-223928",
        "verified_at": "2026-10-15"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 1977",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/mike-johns-223928",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "education",
        "value": "Business Degree, Western Illinois University, Macomb, Illinois, June 1977",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/mike-johns-223928",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "role",
        "value": "producing branch manager",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/mike-johns-223928",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "education",
        "value": "3-year School of Mortgage Banking",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/mike-johns-223928",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "credential",
        "value": "real estate broker license, maintained 32 years",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/mike-johns-223928",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "credential",
        "value": "GRI designation, 1987",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/mike-johns-223928",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "credential",
        "value": "closed 900 mortgages in 1986, one of the top originators in the nation",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/mike-johns-223928",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "community",
        "value": "served on Governors State University Real Estate Advisory Board",
        "source": "lender_site",
        "source_url": "https://www.grarate.com/loan-officers/mike-johns-223928",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 10:49:49.473551+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/mike-johns-223928#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.grarate.com/loan-officers/mike-johns-223928",
      "verified_at": "2026-10-15"
    },
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    "licensed_since": null,
    "federal_registration": null
  }
}