{
  "canonical_url": "https://lendb.ai/lo/kim-lopez-340404",
  "loan_officer": {
    "nmls_id": 340404,
    "slug": "kim-lopez-340404",
    "canonical_url": "https://lendb.ai/lo/kim-lopez-340404",
    "md_url": "https://lendb.ai/lo/kim-lopez-340404.md",
    "json_url": "https://lendb.ai/lo/kim-lopez-340404.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/340404",
    "full_name": {
      "value": "Kim Lopez",
      "source": "lender_site",
      "source_url": "https://www.charterwest.com/mortgage-officers/kim-lopez/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Kim",
    "last_name": "Lopez",
    "licensed_names": [
      {
        "name": "Kim Lopez",
        "name_with_middle_initial": "Kim M. Lopez",
        "first_name": "Kim",
        "middle_initial": "M",
        "last_name": "Lopez",
        "states": [
          "IA"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-19"
      }
    ],
    "headshot_url": {
      "value": "https://www.charterwest.com/wp-content/uploads/2024/10/klopez_web-600x675.png",
      "source": "lender_site",
      "source_url": "https://www.charterwest.com/mortgage-officers/kim-lopez/",
      "verified_at": "2026-10-16"
    },
    "bio": null,
    "title": {
      "value": "Mortgage Loan Advisor",
      "source": "lender_site",
      "source_url": "https://www.charterwest.com/mortgage-officers/kim-lopez/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.charterwest.com/mortgage-officers/kim-lopez/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 466077,
      "lender_name": "Charter West Bank",
      "lender_slug": "charter-west-bank-466077",
      "branch_city": "LaVista",
      "branch_state": "NE",
      "branch_zip": "68128",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.charterwest.com/mortgage-officers/kim-lopez/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.charterwest.com/mortgage-officers/kim-lopez/",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 466077,
        "lender_name": "Charter West Bank",
        "lender_slug": "charter-west-bank-466077",
        "branch_city": "LaVista",
        "branch_state": "NE",
        "branch_zip": "68128",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.charterwest.com/mortgage-officers/kim-lopez/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.charterwest.com/mortgage-officers/kim-lopez/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [
      {
        "state": "IA",
        "license_type": "state_license",
        "license_number": "21754",
        "status": "expired",
        "issued_at": "2013-07-25",
        "source": "state_regulator",
        "source_url": "https://idob.iowa.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ia"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "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/kim-lopez-340404#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/kim-lopez/",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": {
      "date": "2013-07-25",
      "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"
    }
  }
}