{
  "canonical_url": "https://lendb.ai/lo/cari-jenson-1142604",
  "lede": {
    "text": "Cari Jenson (NMLS 1142604) is a Mortgage Loan Advisor at Charter West Bank in West Des Moines, Iowa.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Cari licensed?",
      "a": "Cari works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access.",
      "fields": [
        "federal_registration",
        "current_employment"
      ],
      "source": "employer type in LenDb's lender registry",
      "source_url": null,
      "verified_at": "2026-10-16"
    },
    {
      "q": "What lender does Cari work for?",
      "a": "Charter West Bank, company NMLS 466077, from the West Des Moines, IA office, per the lender's own site (verified 2026-10-16).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.charterwest.com/mortgage-officers/cari-jenson/",
      "verified_at": "2026-10-16"
    },
    {
      "q": "How long has Cari been licensed?",
      "a": "The earliest state license record LenDb holds for Cari is from December 17, 2013 (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": 1142604,
    "slug": "cari-jenson-1142604",
    "canonical_url": "https://lendb.ai/lo/cari-jenson-1142604",
    "md_url": "https://lendb.ai/lo/cari-jenson-1142604.md",
    "json_url": "https://lendb.ai/lo/cari-jenson-1142604.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1142604",
    "full_name": {
      "value": "Cari Jenson",
      "source": "lender_site",
      "source_url": "https://www.charterwest.com/mortgage-officers/cari-jenson/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Cari",
    "last_name": "Jenson",
    "headshot_url": {
      "value": "https://www.charterwest.com/wp-content/uploads/2026/09/cjenson_web-600x675.jpg",
      "source": "lender_site",
      "source_url": "https://www.charterwest.com/mortgage-officers/cari-jenson/",
      "verified_at": "2026-10-16"
    },
    "bio": null,
    "title": {
      "value": "Mortgage Loan Advisor",
      "source": "lender_site",
      "source_url": "https://www.charterwest.com/mortgage-officers/cari-jenson/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.charterwest.com/mortgage-officers/cari-jenson/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 466077,
      "lender_name": "Charter West Bank",
      "lender_slug": "charter-west-bank-466077",
      "branch_city": "West Des Moines",
      "branch_state": "IA",
      "branch_zip": "50266",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.charterwest.com/mortgage-officers/cari-jenson/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.charterwest.com/mortgage-officers/cari-jenson/",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 466077,
        "lender_name": "Charter West Bank",
        "lender_slug": "charter-west-bank-466077",
        "branch_city": "West Des Moines",
        "branch_state": "IA",
        "branch_zip": "50266",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.charterwest.com/mortgage-officers/cari-jenson/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.charterwest.com/mortgage-officers/cari-jenson/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO107331",
        "status": "expired",
        "issued_at": "2022-05-09",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "IA",
        "license_type": "state_license",
        "license_number": "22397",
        "status": "expired",
        "issued_at": "2013-12-17",
        "source": "state_regulator",
        "source_url": "https://idob.iowa.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ia"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-20 19:30:47.082857+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/cari-jenson-1142604#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.charterwest.com/mortgage-officers/cari-jenson/",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": {
      "date": "2013-12-17",
      "state": "IA"
    },
    "licensed_since": {
      "year": 2013,
      "state": "IA"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}