{
  "canonical_url": "https://lendb.ai/lo/chad-fletcher-311097",
  "lede": {
    "text": "Chad Fletcher (NMLS 311097) is a mortgage loan officer at Blue Water Mortgage, LLC, licensed in Florida since 2023 and in Massachusetts.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment",
      "licenses",
      "earliest_license_record"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Chad licensed in Florida?",
      "a": "Yes. Florida regulator records list license LO124293 as active, first effective November 16, 2023 (verified 2026-10-15). LenDb has 3 other states on file for Chad.",
      "fields": [
        "licenses"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
      "verified_at": "2026-10-15"
    },
    {
      "q": "What lender does Chad work for?",
      "a": "Blue Water Mortgage, LLC, company NMLS 1291, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://bluewatermtg.com/our-team/chad-fletcher/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Chad been licensed?",
      "a": "The earliest state license record LenDb holds for Chad is from November 16, 2023 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
      "verified_at": "2026-10-15"
    }
  ],
  "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": 311097,
    "slug": "chad-fletcher-311097",
    "canonical_url": "https://lendb.ai/lo/chad-fletcher-311097",
    "md_url": "https://lendb.ai/lo/chad-fletcher-311097.md",
    "json_url": "https://lendb.ai/lo/chad-fletcher-311097.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/311097",
    "full_name": {
      "value": "Chad Fletcher",
      "source": "lender_site",
      "source_url": "https://bluewatermtg.com/our-team/chad-fletcher/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Chad",
    "last_name": "Fletcher",
    "licensed_names": [
      {
        "name": "Chad Fletcher",
        "name_with_middle_initial": "Chad P. Fletcher",
        "first_name": "Chad",
        "middle_initial": "P",
        "last_name": "Fletcher",
        "states": [
          "FL",
          "MA"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-26"
      }
    ],
    "headshot_url": null,
    "bio": {
      "value": "Chad Fletcher is a Loan Officer and Vice President licensed in FL, MA, ME and NH. They have more than two decades in mortgage lending, including work with buyers, homeowners and real estate investors. They work as a mortgage broker and are a UNH graduate.",
      "source": "lender_site",
      "source_url": "https://bluewatermtg.com/our-team/chad-fletcher/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Loan Officer | Vice President",
      "source": "lender_site",
      "source_url": "https://bluewatermtg.com/our-team/chad-fletcher/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://bluewatermtg.com/our-team/chad-fletcher/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 45,
    "current_employment": {
      "lender_nmls_id": 1291,
      "lender_name": "Blue Water Mortgage, LLC",
      "lender_slug": "blue-water-mortgage-llc-1291",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://bluewatermtg.com/our-team/chad-fletcher/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://bluewatermtg.com/our-team/chad-fletcher/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1291,
        "lender_name": "Blue Water Mortgage, LLC",
        "lender_slug": "blue-water-mortgage-llc-1291",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://bluewatermtg.com/our-team/chad-fletcher/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/chad-fletcher/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO124293",
        "status": "active",
        "issued_at": "2023-11-16",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "MA",
        "license_type": "state_license",
        "license_number": "MLO311097",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees",
        "verified_at": "2026-10-26",
        "confidence": "confirmed",
        "regulator": "ma"
      },
      {
        "state": "ME",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/chad-fletcher/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "NH",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/chad-fletcher/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/chad-fletcher-104b6114/",
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/chad-fletcher/",
        "verified_at": "2026-10-15"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "more than 20",
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/chad-fletcher/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "role",
        "value": "mortgage broker",
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/chad-fletcher/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "education",
        "value": "UNH graduate",
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/chad-fletcher/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-26 16:15:12.471355+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/chad-fletcher-311097#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://bluewatermtg.com/our-team/chad-fletcher/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2023-11-16",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2023,
      "state": "FL"
    },
    "federal_registration": null
  }
}