{
  "canonical_url": "https://lendb.ai/lo/andrew-smith-1963710",
  "lede": {
    "text": "Andy Smith (NMLS 1963710) is a VP of Mortgage Lending at A & N Mortgage Services, Inc. in Chicago, Illinois, licensed in Illinois. Andy works at an FHA-approved lender, per HUD.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Andy licensed in Illinois?",
      "a": "Yes. Illinois regulator records list license 31.0061259 as active, first effective July 16, 2020 (verified 2026-10-28).",
      "fields": [
        "licenses"
      ],
      "source": "Illinois state regulator",
      "source_url": "https://idfpr.illinois.gov/banks/resfin.html",
      "verified_at": "2026-10-28"
    },
    {
      "q": "What lender does Andy work for, and is it FHA-approved?",
      "a": "A & N Mortgage Services, Inc., company NMLS 19291, from the Chicago, IL office, per the lender's own site (verified 2026-10-21). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026).",
      "fields": [
        "current_employment",
        "employer_program_approvals"
      ],
      "source": "lender site; HUD",
      "source_url": "https://www.anmtg.com/mlo/andy-smith",
      "verified_at": "2026-10-21"
    },
    {
      "q": "How long has Andy been licensed?",
      "a": "The earliest state license record LenDb holds for Andy is from July 8, 2020 (Iowa regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Iowa state regulator",
      "source_url": "https://idob.iowa.gov/",
      "verified_at": "2026-10-20"
    }
  ],
  "field_notes": {
    "languages": "Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it."
  },
  "loan_officer": {
    "nmls_id": 1963710,
    "slug": "andrew-smith-1963710",
    "canonical_url": "https://lendb.ai/lo/andrew-smith-1963710",
    "md_url": "https://lendb.ai/lo/andrew-smith-1963710.md",
    "json_url": "https://lendb.ai/lo/andrew-smith-1963710.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1963710",
    "full_name": {
      "value": "Andy Smith",
      "source": "lender_site",
      "source_url": "https://www.anmtg.com/mlo/andy-smith",
      "verified_at": "2026-10-21"
    },
    "first_name": "Andy",
    "last_name": "Smith",
    "licensed_names": [
      {
        "name": "Andrew Smith",
        "name_with_middle_initial": null,
        "first_name": "Andrew",
        "middle_initial": null,
        "last_name": "Smith",
        "states": [
          "FL",
          "IA",
          "IL",
          "WI"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-27"
      }
    ],
    "headshot_url": {
      "value": "https://cdn.prod.website-files.com/66a92bf960db8452e4abee90/690b90526d1dd59ca0002cb9_igpwiZDWZia0M9Aa8eg-mILC0pV7PERO6YkK6R4OcwY.jpeg",
      "source": "lender_site",
      "source_url": "https://www.anmtg.com/mlo/andy-smith",
      "verified_at": "2026-10-21"
    },
    "bio": null,
    "title": {
      "value": "VP of Mortgage Lending",
      "source": "lender_site",
      "source_url": "https://www.anmtg.com/mlo/andy-smith",
      "verified_at": "2026-10-21"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.anmtg.com/mlo/andy-smith",
      "verified_at": "2026-10-21"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 19291,
      "lender_name": "A & N Mortgage Services, Inc.",
      "lender_slug": "a-n-mortgage-services-inc-19291",
      "branch_city": "Chicago",
      "branch_state": "IL",
      "branch_zip": "60642",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.anmtg.com/mlo/andy-smith",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.anmtg.com/mlo/andy-smith",
      "verified_at": "2026-10-21"
    },
    "employment_history": [
      {
        "lender_nmls_id": 19291,
        "lender_name": "A & N Mortgage Services, Inc.",
        "lender_slug": "a-n-mortgage-services-inc-19291",
        "branch_city": "Chicago",
        "branch_state": "IL",
        "branch_zip": "60642",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.anmtg.com/mlo/andy-smith",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.anmtg.com/mlo/andy-smith",
        "verified_at": "2026-10-21"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO99894",
        "status": "expired",
        "issued_at": "2022-01-04",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "IA",
        "license_type": "state_license",
        "license_number": "38064",
        "status": "expired",
        "issued_at": "2020-07-08",
        "source": "state_regulator",
        "source_url": "https://idob.iowa.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ia"
      },
      {
        "state": "IL",
        "license_type": "state_license",
        "license_number": "31.0061259",
        "status": "active",
        "issued_at": "2020-07-16",
        "source": "state_regulator",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html",
        "verified_at": "2026-10-28",
        "confidence": "confirmed",
        "regulator": "il"
      },
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "1963710",
        "status": "expired",
        "issued_at": "2021-03-22",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "other",
        "value": "originally a teacher",
        "source": "lender_site",
        "source_url": "https://www.anmtg.com/mlo/andy-smith",
        "verified_at": "2026-10-21"
      },
      {
        "kind": "community",
        "value": "member of NAGLREP and LGBTCC",
        "source": "lender_site",
        "source_url": "https://www.anmtg.com/mlo/andy-smith",
        "verified_at": "2026-10-21"
      }
    ],
    "last_verified_at": "2026-10-28",
    "updated_at": "2026-10-28 14:33:10.461673+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/andrew-smith-1963710#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.anmtg.com/mlo/andy-smith",
      "verified_at": "2026-10-21"
    },
    "earliest_license_record": {
      "date": "2020-07-08",
      "state": "IA"
    },
    "licensed_since": {
      "year": 2020,
      "state": "IA"
    },
    "federal_registration": null
  }
}