{
  "canonical_url": "https://lendb.ai/lo/chris-cayo-854164",
  "loan_officer": {
    "nmls_id": 854164,
    "slug": "chris-cayo-854164",
    "canonical_url": "https://lendb.ai/lo/chris-cayo-854164",
    "md_url": "https://lendb.ai/lo/chris-cayo-854164.md",
    "json_url": "https://lendb.ai/lo/chris-cayo-854164.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/854164",
    "full_name": {
      "value": "Chris Cayo",
      "source": "lender_site",
      "source_url": "https://branches.guildmortgage.com/wa/vancouver/chris-cayo-205-vrcca.html",
      "verified_at": "2026-10-09"
    },
    "first_name": "Chris",
    "last_name": "Cayo",
    "headshot_url": {
      "value": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/vrcca-chris-cayo.jpg",
      "source": "lender_site",
      "source_url": "https://branches.guildmortgage.com/wa/vancouver/chris-cayo-205-vrcca.html",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Helping homebuyers since 2011; serves Southwest Washington and Oregon communities with VA, FHA, USDA, conventional, jumbo, renovation and down payment assistance programs.",
      "source": "lender_site",
      "source_url": "https://branches.guildmortgage.com/wa/vancouver/chris-cayo-205-vrcca.html",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Senior Loan Officer",
      "source": "lender_site",
      "source_url": "https://branches.guildmortgage.com/wa/vancouver/chris-cayo-205-vrcca.html",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://branches.guildmortgage.com/wa/vancouver/chris-cayo-205-vrcca.html",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 3274,
      "lender_name": "Guild Mortgage",
      "lender_slug": "guild-mortgage-3274",
      "branch_city": "Vancouver",
      "branch_state": "WA",
      "branch_zip": "98684",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://branches.guildmortgage.com/wa/vancouver/chris-cayo-205-vrcca.html",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://branches.guildmortgage.com/wa/vancouver/chris-cayo-205-vrcca.html",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3274,
        "lender_name": "Guild Mortgage",
        "lender_slug": "guild-mortgage-3274",
        "branch_city": "Vancouver",
        "branch_state": "WA",
        "branch_zip": "98684",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://branches.guildmortgage.com/wa/vancouver/chris-cayo-205-vrcca.html",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/wa/vancouver/chris-cayo-205-vrcca.html",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/wa/vancouver/chris-cayo-205-vrcca.html",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "WA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/wa/vancouver/chris-cayo-205-vrcca.html",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/chris-cayo-16452767/",
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/wa/vancouver/chris-cayo-205-vrcca.html",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 2011",
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/wa/vancouver/chris-cayo-205-vrcca.html",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Vancouver, Camas, Ridgefield, Battle Ground, Southwest Washington and Oregon",
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/wa/vancouver/chris-cayo-205-vrcca.html",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Top 5% at Guild Mortgage; Public Reviews Campaign 5.0 Survey Score",
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/wa/vancouver/chris-cayo-205-vrcca.html",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Best of Mortgage Lender 2024 by BusinessRate",
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/wa/vancouver/chris-cayo-205-vrcca.html",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Member of Building Industry Association (BIA) of Clark County",
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/wa/vancouver/chris-cayo-205-vrcca.html",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 01:57:10.90249+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/chris-cayo-854164#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://branches.guildmortgage.com/wa/vancouver/chris-cayo-205-vrcca.html",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": null
  }
}