{
  "canonical_url": "https://lendb.ai/lo/chad-johns-1401305",
  "loan_officer": {
    "nmls_id": 1401305,
    "slug": "chad-johns-1401305",
    "canonical_url": "https://lendb.ai/lo/chad-johns-1401305",
    "md_url": "https://lendb.ai/lo/chad-johns-1401305.md",
    "json_url": "https://lendb.ai/lo/chad-johns-1401305.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1401305",
    "full_name": {
      "value": "Chad Johns",
      "source": "lender_site",
      "source_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/chad-johns",
      "verified_at": "2026-10-09"
    },
    "first_name": "Chad",
    "last_name": "Johns",
    "headshot_url": null,
    "bio": {
      "value": "Chad has over 10 years of mortgage lending experience and six years with BECU. He provides education on loan parameters and laws, guiding borrowers from pre-qualification through closing for home or investment ownership.",
      "source": "lender_site",
      "source_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/chad-johns",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Advisor",
      "source": "lender_site",
      "source_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/chad-johns",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/chad-johns",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 10,
      "source": "lender_site",
      "source_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/chad-johns",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 490518,
      "lender_name": "BECU",
      "lender_slug": "becu-490518",
      "branch_city": "Spokane",
      "branch_state": "WA",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/chad-johns",
      "lender_type": "credit_union",
      "source": "lender_site",
      "source_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/chad-johns",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 490518,
        "lender_name": "BECU",
        "lender_slug": "becu-490518",
        "branch_city": "Spokane",
        "branch_state": "WA",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/chad-johns",
        "lender_type": "credit_union",
        "source": "lender_site",
        "source_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/chad-johns",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "10",
        "source": "lender_site",
        "source_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/chad-johns",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "years_experience",
        "value": "6",
        "source": "lender_site",
        "source_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/chad-johns",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Spokane area and Pacific Northwest",
        "source": "lender_site",
        "source_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/chad-johns",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 11:31:30.786157+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/chad-johns-1401305#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.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/chad-johns",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "credit_union",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}