{
  "canonical_url": "https://lendb.ai/lo/needra-gandy-497325",
  "loan_officer": {
    "nmls_id": 497325,
    "slug": "needra-gandy-497325",
    "canonical_url": "https://lendb.ai/lo/needra-gandy-497325",
    "md_url": "https://lendb.ai/lo/needra-gandy-497325.md",
    "json_url": "https://lendb.ai/lo/needra-gandy-497325.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/497325",
    "full_name": {
      "value": "Needra Gandy",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/oh/cincinnati/7269-kenwood-rd-hla-497325",
      "verified_at": "2026-10-09"
    },
    "first_name": "Needra",
    "last_name": "Gandy",
    "headshot_url": {
      "value": "http://a.mktgcdn.com/p/pidnLJbjyqz99UWHY7qKj08wG7w9X99DAOTQDOHcGtU/1057x1583.jpg",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/oh/cincinnati/7269-kenwood-rd-hla-497325",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Needra serves the Greater Cincinnati Area and specializes in preapproval, self-employed lending, FHA and VA mortgages, fixed-rate mortgages, and conforming and jumbo loans.",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/oh/cincinnati/7269-kenwood-rd-hla-497325",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Senior Home Lending Advisor",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/oh/cincinnati/7269-kenwood-rd-hla-497325",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/oh/cincinnati/7269-kenwood-rd-hla-497325",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 8,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 399798,
      "lender_name": "JPMorgan Chase Bank (Chase Home Lending)",
      "lender_slug": "chase-399798",
      "branch_city": "Cincinnati",
      "branch_state": "OH",
      "branch_zip": "45236",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://homelendingadvisor.chase.com/oh/cincinnati/7269-kenwood-rd-hla-497325",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/oh/cincinnati/7269-kenwood-rd-hla-497325",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 399798,
        "lender_name": "JPMorgan Chase Bank (Chase Home Lending)",
        "lender_slug": "chase-399798",
        "branch_city": "Cincinnati",
        "branch_state": "OH",
        "branch_zip": "45236",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/oh/cincinnati/7269-kenwood-rd-hla-497325",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/oh/cincinnati/7269-kenwood-rd-hla-497325",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO56282",
        "status": "inactive",
        "issued_at": "2018-09-13",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      }
    ],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/oh/cincinnati/7269-kenwood-rd-hla-497325",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/oh/cincinnati/7269-kenwood-rd-hla-497325",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/oh/cincinnati/7269-kenwood-rd-hla-497325",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/oh/cincinnati/7269-kenwood-rd-hla-497325",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "service_area",
        "value": "Greater Cincinnati Area",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/oh/cincinnati/7269-kenwood-rd-hla-497325",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Chase Certified in FHA Loans",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/oh/cincinnati/7269-kenwood-rd-hla-497325",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 10:05:47.548403+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/needra-gandy-497325#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://homelendingadvisor.chase.com/oh/cincinnati/7269-kenwood-rd-hla-497325",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2018,
      "state": "FL"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}