{
  "canonical_url": "https://lendb.ai/lo/amy-hayes-226321",
  "loan_officer": {
    "nmls_id": 226321,
    "slug": "amy-hayes-226321",
    "canonical_url": "https://lendb.ai/lo/amy-hayes-226321",
    "md_url": "https://lendb.ai/lo/amy-hayes-226321.md",
    "json_url": "https://lendb.ai/lo/amy-hayes-226321.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/226321",
    "full_name": {
      "value": "Amy Hayes",
      "source": "lender_site",
      "source_url": "https://www.charterwest.com/mortgage-officers/amy-hayes/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Amy",
    "last_name": "Hayes",
    "licensed_names": [
      {
        "name": "Amy Hayes",
        "name_with_middle_initial": "Amy L. Hayes",
        "first_name": "Amy",
        "middle_initial": "L",
        "last_name": "Hayes",
        "states": [
          "IA"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-19"
      }
    ],
    "headshot_url": {
      "value": "https://www.charterwest.com/wp-content/uploads/2024/06/ahayes_web-576x675.jpg",
      "source": "lender_site",
      "source_url": "https://www.charterwest.com/mortgage-officers/amy-hayes/",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Amy Hayes has been assisting borrowers since 2005 and is a NAMB Certified Veterans Lending Specialist. Their page also says they work with first-time buyers, repeat buyers and second homes.",
      "source": "lender_site",
      "source_url": "https://www.charterwest.com/mortgage-officers/amy-hayes/",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "AVP | Senior Mortgage Loan Advisor",
      "source": "lender_site",
      "source_url": "https://www.charterwest.com/mortgage-officers/amy-hayes/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.charterwest.com/mortgage-officers/amy-hayes/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 466077,
      "lender_name": "Charter West Bank",
      "lender_slug": "charter-west-bank-466077",
      "branch_city": "Elkhorn",
      "branch_state": "NE",
      "branch_zip": "68022",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.charterwest.com/mortgage-officers/amy-hayes/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.charterwest.com/mortgage-officers/amy-hayes/",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 466077,
        "lender_name": "Charter West Bank",
        "lender_slug": "charter-west-bank-466077",
        "branch_city": "Elkhorn",
        "branch_state": "NE",
        "branch_zip": "68022",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.charterwest.com/mortgage-officers/amy-hayes/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.charterwest.com/mortgage-officers/amy-hayes/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [
      {
        "state": "IA",
        "license_type": "state_license",
        "license_number": "21846",
        "status": "expired",
        "issued_at": "2013-08-22",
        "source": "state_regulator",
        "source_url": "https://idob.iowa.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ia"
      }
    ],
    "specialties": [
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://www.charterwest.com/mortgage-officers/amy-hayes/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 2005",
        "source": "lender_site",
        "source_url": "https://www.charterwest.com/mortgage-officers/amy-hayes/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "credential",
        "value": "NAMB Certified Veterans Lending Specialist",
        "source": "lender_site",
        "source_url": "https://www.charterwest.com/mortgage-officers/amy-hayes/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-20 19:30:47.082857+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/amy-hayes-226321#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.charterwest.com/mortgage-officers/amy-hayes/",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": {
      "date": "2013-08-22",
      "state": "IA"
    },
    "licensed_since": {
      "year": 2013,
      "state": "IA"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}