{
  "canonical_url": "https://lendb.ai/lo/daniel-kraus-40222",
  "loan_officer": {
    "nmls_id": 40222,
    "slug": "daniel-kraus-40222",
    "canonical_url": "https://lendb.ai/lo/daniel-kraus-40222",
    "md_url": "https://lendb.ai/lo/daniel-kraus-40222.md",
    "json_url": "https://lendb.ai/lo/daniel-kraus-40222.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/40222",
    "full_name": {
      "value": "Dan Kraus",
      "source": "lender_site",
      "source_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
      "verified_at": "2026-10-09"
    },
    "first_name": "Dan",
    "last_name": "Kraus",
    "headshot_url": {
      "value": "https://info.churchillmortgage.com/hubfs/images/headshots/loan-officers/Dan-Kraus.jpg",
      "source": "lender_site",
      "source_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Dan Kraus has over 24 years of experience helping clients secure financing for home purchases and refinances. He specializes in working with first-time homebuyers, move-up buyers, and investors, offering FHA, VA, conventional, and non-traditional loans tailored to each client's unique situation.",
      "source": "lender_site",
      "source_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 8,
    "years_experience": {
      "value": 24,
      "source": "lender_site",
      "source_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 1591,
      "lender_name": "Churchill Mortgage",
      "lender_slug": "churchill-mortgage-1591",
      "branch_city": "Brentwood",
      "branch_state": "TN",
      "branch_zip": "37027",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1591,
        "lender_name": "Churchill Mortgage",
        "lender_slug": "churchill-mortgage-1591",
        "branch_city": "Brentwood",
        "branch_state": "TN",
        "branch_zip": "37027",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO56902",
        "status": "active",
        "issued_at": "2018-10-17",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "AL",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "CT",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "GA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "IN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "KS",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "KY",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "MA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "MO",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "MS",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "NJ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "OK",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "TN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "VA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/dankraus",
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "24",
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Licensed in 16 states with multi-state lending experience",
        "source": "lender_site",
        "source_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 07:42:49.631192+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/daniel-kraus-40222#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.churchillmortgage.com/loan-officers/dan-kraus",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2018,
      "state": "FL"
    },
    "federal_registration": null
  }
}