{
  "canonical_url": "https://lendb.ai/lo/joseph-arvay-33420",
  "loan_officer": {
    "nmls_id": 33420,
    "slug": "joseph-arvay-33420",
    "canonical_url": "https://lendb.ai/lo/joseph-arvay-33420",
    "md_url": "https://lendb.ai/lo/joseph-arvay-33420.md",
    "json_url": "https://lendb.ai/lo/joseph-arvay-33420.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/33420",
    "full_name": {
      "value": "Joe Arvay",
      "source": "lender_site",
      "source_url": "https://www.libertyhomemortgage.org/lo/joe-arvay",
      "verified_at": "2026-10-15"
    },
    "first_name": "Joe",
    "last_name": "Arvay",
    "headshot_url": {
      "value": "https://cdn.prod.website-files.com/67354d612728f5babcbdccda/675720bb526ee6e6522d0b04_joe-arvay.jpg",
      "source": "lender_site",
      "source_url": "https://www.libertyhomemortgage.org/lo/joe-arvay",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Joe Arvay is a Mortgage Loan Officer with over 18 years in mortgage lending. They say they specialize in FHA, VA, USDA, Conventional and Jumbo loans. They have worked on the retail and wholesale sides with banks, credit unions and consumer direct lenders.",
      "source": "lender_site",
      "source_url": "https://www.libertyhomemortgage.org/lo/joe-arvay",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.libertyhomemortgage.org/lo/joe-arvay",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.libertyhomemortgage.org/lo/joe-arvay",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 18,
      "source": "lender_site",
      "source_url": "https://www.libertyhomemortgage.org/lo/joe-arvay",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 1114762,
      "lender_name": "Liberty Home Mortgage Corporation",
      "lender_slug": "liberty-home-mortgage-corporation-1114762",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.libertyhomemortgage.org/lo/joe-arvay",
      "lender_type": "other",
      "source": "lender_site",
      "source_url": "https://www.libertyhomemortgage.org/lo/joe-arvay",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1114762,
        "lender_name": "Liberty Home Mortgage Corporation",
        "lender_slug": "liberty-home-mortgage-corporation-1114762",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.libertyhomemortgage.org/lo/joe-arvay",
        "lender_type": "other",
        "source": "lender_site",
        "source_url": "https://www.libertyhomemortgage.org/lo/joe-arvay",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO26197",
        "status": "expired",
        "issued_at": "2014-08-08",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed"
      }
    ],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://www.libertyhomemortgage.org/lo/joe-arvay",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://www.libertyhomemortgage.org/lo/joe-arvay",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://www.libertyhomemortgage.org/lo/joe-arvay",
        "verified_at": "2026-10-15"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://www.libertyhomemortgage.org/lo/joe-arvay",
        "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": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "18",
        "source": "lender_site",
        "source_url": "https://www.libertyhomemortgage.org/lo/joe-arvay",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "role",
        "value": "Executive Loan Originator",
        "source": "lender_site",
        "source_url": "https://www.libertyhomemortgage.org/lo/joe-arvay",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "Retail and wholesale mortgage lending with banks, credit unions and consumer direct lending",
        "source": "lender_site",
        "source_url": "https://www.libertyhomemortgage.org/lo/joe-arvay",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 18:39:38.555592+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/joseph-arvay-33420#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.libertyhomemortgage.org/lo/joe-arvay",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2014-08-08",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2014,
      "state": "FL"
    },
    "federal_registration": null
  }
}