{
  "canonical_url": "https://lendb.ai/lo/chad-talpas-564051",
  "lede": {
    "text": "Chad Talpas (NMLS 564051) is a Branch Manager at CME Lending Group LLC, licensed in Florida since 2022. Chad works at an FHA-approved lender, per HUD.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Chad licensed in Florida?",
      "a": "Yes. Florida regulator records list license LO103432 as active, first effective March 3, 2022 (verified 2026-10-15). LenDb has 1 other state on file for Chad.",
      "fields": [
        "licenses"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
      "verified_at": "2026-10-15"
    },
    {
      "q": "What lender does Chad work for, and is it FHA-approved?",
      "a": "CME Lending Group LLC, company NMLS 1248883, per the lender's own site (verified 2026-10-15). 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://themortgageexchange.com/team-member/chad-talpas/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Chad been licensed?",
      "a": "The earliest state license record LenDb holds for Chad is from March 3, 2022 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Chad states 12 years of experience.",
      "fields": [
        "earliest_license_record",
        "years_experience"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_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": 564051,
    "slug": "chad-talpas-564051",
    "canonical_url": "https://lendb.ai/lo/chad-talpas-564051",
    "md_url": "https://lendb.ai/lo/chad-talpas-564051.md",
    "json_url": "https://lendb.ai/lo/chad-talpas-564051.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/564051",
    "full_name": {
      "value": "Chad Talpas",
      "source": "lender_site",
      "source_url": "https://themortgageexchange.com/team-member/chad-talpas/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Chad",
    "last_name": "Talpas",
    "headshot_url": {
      "value": "https://themortgageexchange.com/clients/2915/uploads/2024/05/Chad-Talpas-headshot.jpg",
      "source": "lender_site",
      "source_url": "https://themortgageexchange.com/team-member/chad-talpas/",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Branch Manager",
      "source": "lender_site",
      "source_url": "https://themortgageexchange.com/team-member/chad-talpas/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://themortgageexchange.com/team-member/chad-talpas/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 12,
      "source": "lender_site",
      "source_url": "https://themortgageexchange.com/team-member/chad-talpas/",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 60,
    "current_employment": {
      "lender_nmls_id": 1248883,
      "lender_name": "CME Lending Group LLC",
      "lender_slug": "cme-lending-group-llc-1248883",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://themortgageexchange.com/team-member/chad-talpas/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://themortgageexchange.com/team-member/chad-talpas/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1248883,
        "lender_name": "CME Lending Group LLC",
        "lender_slug": "cme-lending-group-llc-1248883",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://themortgageexchange.com/team-member/chad-talpas/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://themortgageexchange.com/team-member/chad-talpas/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO103432",
        "status": "active",
        "issued_at": "2022-03-03",
        "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": "IN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://themortgageexchange.com/team-member/chad-talpas/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "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": "years_experience",
        "value": "12",
        "source": "lender_site",
        "source_url": "https://themortgageexchange.com/team-member/chad-talpas/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "role",
        "value": "Vice President of The Mortgage Exchange",
        "source": "lender_site",
        "source_url": "https://themortgageexchange.com/team-member/chad-talpas/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "education",
        "value": "Economics degree, Indiana State",
        "source": "lender_site",
        "source_url": "https://themortgageexchange.com/team-member/chad-talpas/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "Runs a husband and wife originating team with Megan Talpas",
        "source": "lender_site",
        "source_url": "https://themortgageexchange.com/team-member/chad-talpas/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 20:16:03.576197+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/chad-talpas-564051#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://themortgageexchange.com/team-member/chad-talpas/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2022-03-03",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2022,
      "state": "FL"
    },
    "federal_registration": null
  }
}