{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=co-op&state=AZ",
  "filters": {
    "specialty": [
      "co-op"
    ],
    "state": "AZ",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 1037350,
        "slug": "christopher-brown-1037350",
        "full_name": "Christopher Brown",
        "canonical_url": "https://lendb.ai/lo/christopher-brown-1037350",
        "json_url": "https://lendb.ai/lo/christopher-brown-1037350.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Phoenix",
          "state": "AZ"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2018-04-23",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2018,
          "state": "FL"
        },
        "years_experience": 10,
        "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1037350",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Co-op on lender page (lender page, verified 2026-10-09)",
        "Office in Phoenix, AZ",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: April 23, 2018 (Florida), per state regulator",
        "States 10 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-brown-1037350",
      "license_check": {
        "state": "AZ",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "co-op"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 54.5,
      "loan_officer": {
        "nmls_id": 1710509,
        "slug": "elaine-tompkins-1710509",
        "full_name": "Elaine Tompkins",
        "canonical_url": "https://lendb.ai/lo/elaine-tompkins-1710509",
        "json_url": "https://lendb.ai/lo/elaine-tompkins-1710509.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Tempe",
          "state": "AZ"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2018-08-06",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2018,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/az/tempe/100-w-university-dr-hla-1710509",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Co-op on lender page (lender page, verified 2026-10-09)",
        "Office in Tempe, AZ",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: August 6, 2018 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/elaine-tompkins-1710509",
      "license_check": {
        "state": "AZ",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "co-op"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 52,
      "loan_officer": {
        "nmls_id": 1986318,
        "slug": "kimberly-a-busby-1986318",
        "full_name": "Kimberly A Busby",
        "canonical_url": "https://lendb.ai/lo/kimberly-a-busby-1986318",
        "json_url": "https://lendb.ai/lo/kimberly-a-busby-1986318.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Phoenix",
          "state": "AZ"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 3,
        "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1986318",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Co-op on lender page (lender page, verified 2026-10-09)",
        "Office in Phoenix, AZ",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 3 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kimberly-a-busby-1986318",
      "license_check": {
        "state": "AZ",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "co-op"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 2142412,
        "slug": "celine-diaz-2142412",
        "full_name": "Celine Diaz",
        "canonical_url": "https://lendb.ai/lo/celine-diaz-2142412",
        "json_url": "https://lendb.ai/lo/celine-diaz-2142412.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Phoenix",
          "state": "AZ"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 3,
        "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-2142412",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Co-op on lender page (lender page, verified 2026-10-09)",
        "Office in Phoenix, AZ",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 3 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/celine-diaz-2142412",
      "license_check": {
        "state": "AZ",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "co-op"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 219774,
        "slug": "beth-lewis-219774",
        "full_name": "Beth Lewis",
        "canonical_url": "https://lendb.ai/lo/beth-lewis-219774",
        "json_url": "https://lendb.ai/lo/beth-lewis-219774.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Evanston",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "GA",
          "IL",
          "IN",
          "MA",
          "MD",
          "MI",
          "MN",
          "NC",
          "NV",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2010-08-06",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2010,
          "state": "CO"
        },
        "years_experience": 18,
        "lender_profile_url": "https://crosscountrymortgage.com/evanston-il-3035/beth-lewis/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Co-op on lender page (lender page, verified 2026-10-09)",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 6, 2010 (Colorado), per state regulator",
        "States 18 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/beth-lewis-219774",
      "license_check": {
        "state": "AZ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/evanston-il-3035/beth-lewis/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "co-op"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 1249406,
        "slug": "juana-f-ruiz-1249406",
        "full_name": "Juana F Ruiz",
        "canonical_url": "https://lendb.ai/lo/juana-f-ruiz-1249406",
        "json_url": "https://lendb.ai/lo/juana-f-ruiz-1249406.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Phoenix",
          "state": "AZ"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1249406",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Co-op on lender page (lender page, verified 2026-10-09)",
        "Office in Phoenix, AZ",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/juana-f-ruiz-1249406",
      "license_check": {
        "state": "AZ",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "co-op"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 2214467,
        "slug": "martin-ariel-fragala-2214467",
        "full_name": "Martin Ariel Fragala",
        "canonical_url": "https://lendb.ai/lo/martin-ariel-fragala-2214467",
        "json_url": "https://lendb.ai/lo/martin-ariel-fragala-2214467.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Phoenix",
          "state": "AZ"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-2214467",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Co-op on lender page (lender page, verified 2026-10-09)",
        "Office in Phoenix, AZ",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/martin-ariel-fragala-2214467",
      "license_check": {
        "state": "AZ",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "co-op"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 50.5,
      "loan_officer": {
        "nmls_id": 200175,
        "slug": "court-crofoot-200175",
        "full_name": "Court Crofoot",
        "canonical_url": "https://lendb.ai/lo/court-crofoot-200175",
        "json_url": "https://lendb.ai/lo/court-crofoot-200175.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Scottsdale",
          "state": "AZ"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "IL",
          "KS",
          "MO",
          "NC",
          "TX",
          "WA",
          "WY"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2013-05-22",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2013,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-3641/courtney-crofoot/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Co-op on lender page (lender page, verified 2026-10-09)",
        "Office in Scottsdale, AZ",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 22, 2013 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/court-crofoot-200175",
      "license_check": {
        "state": "AZ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/scottsdale-az-3641/courtney-crofoot/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "co-op"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 9,
      "score": 50.5,
      "loan_officer": {
        "nmls_id": 1257537,
        "slug": "michael-n-wells-1257537",
        "full_name": "Michael N Wells",
        "canonical_url": "https://lendb.ai/lo/michael-n-wells-1257537",
        "json_url": "https://lendb.ai/lo/michael-n-wells-1257537.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Phoenix",
          "state": "AZ"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1257537",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Co-op on lender page (lender page, verified 2026-10-09)",
        "Office in Phoenix, AZ",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-n-wells-1257537",
      "license_check": {
        "state": "AZ",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "co-op"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 10,
      "score": 50.5,
      "loan_officer": {
        "nmls_id": 1565357,
        "slug": "kevin-w-emmons-1565357",
        "full_name": "Kevin W Emmons",
        "canonical_url": "https://lendb.ai/lo/kevin-w-emmons-1565357",
        "json_url": "https://lendb.ai/lo/kevin-w-emmons-1565357.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Casa Grande",
          "state": "AZ"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/az/casa-grande/1201-e-florence-blvd-hla-1565357",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Co-op on lender page (lender page, verified 2026-10-09)",
        "Office in Casa Grande, AZ",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/kevin-w-emmons-1565357",
      "license_check": {
        "state": "AZ",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "co-op"
      ],
      "unconfirmed_specialties": []
    }
  ]
}