{
  "canonical_url": "https://lendb.ai/lo/christopher-floyd-1215570",
  "lede": {
    "text": "Chris Floyd (NMLS 1215570) is a Business Development Manager at INDEPENDENCE HOME LOANS LLC.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment"
    ]
  },
  "quick_answers": [
    {
      "q": "What lender does Chris work for?",
      "a": "INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://independencehl.com/chris-floyd/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Chris been licensed?",
      "a": "The earliest state license record LenDb holds for Chris is from September 29, 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": 1215570,
    "slug": "christopher-floyd-1215570",
    "canonical_url": "https://lendb.ai/lo/christopher-floyd-1215570",
    "md_url": "https://lendb.ai/lo/christopher-floyd-1215570.md",
    "json_url": "https://lendb.ai/lo/christopher-floyd-1215570.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1215570",
    "full_name": {
      "value": "Chris Floyd",
      "source": "lender_site",
      "source_url": "https://independencehl.com/chris-floyd/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Chris",
    "last_name": "Floyd",
    "licensed_names": [
      {
        "name": "Christopher Floyd",
        "name_with_middle_initial": "Christopher M. Floyd",
        "first_name": "Christopher",
        "middle_initial": "M",
        "last_name": "Floyd",
        "states": [
          "FL",
          "IA"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-19"
      },
      {
        "name": "Christopher Floyd",
        "name_with_middle_initial": null,
        "first_name": "Christopher",
        "middle_initial": null,
        "last_name": "Floyd",
        "states": [
          "WI"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-21"
      }
    ],
    "headshot_url": {
      "value": "https://independencehl.com/wp-content/uploads/2015/09/thumbnail_IMG_5553-350x350.webp",
      "source": "lender_site",
      "source_url": "https://independencehl.com/chris-floyd/",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Business Development Manager",
      "source": "lender_site",
      "source_url": "https://independencehl.com/chris-floyd/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://independencehl.com/chris-floyd/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 55,
    "current_employment": {
      "lender_nmls_id": 2524174,
      "lender_name": "INDEPENDENCE HOME LOANS LLC",
      "lender_slug": "independence-home-loans-llc-2524174",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://independencehl.com/chris-floyd/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://independencehl.com/chris-floyd/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2524174,
        "lender_name": "INDEPENDENCE HOME LOANS LLC",
        "lender_slug": "independence-home-loans-llc-2524174",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://independencehl.com/chris-floyd/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://independencehl.com/chris-floyd/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO123357",
        "status": "expired",
        "issued_at": "2023-09-29",
        "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": "IA",
        "license_type": "state_license",
        "license_number": "50934",
        "status": "expired",
        "issued_at": "2023-10-12",
        "source": "state_regulator",
        "source_url": "https://idob.iowa.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ia"
      },
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "1215570",
        "status": "expired",
        "issued_at": "2023-11-21",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "education",
        "value": "Bachelor's degree in sustainable engineering and city planning, Arizona State University, 2014",
        "source": "lender_site",
        "source_url": "https://independencehl.com/chris-floyd/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "role",
        "value": "Senior Vice President",
        "source": "lender_site",
        "source_url": "https://independencehl.com/chris-floyd/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 13:23:13.004684+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/christopher-floyd-1215570#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://independencehl.com/chris-floyd/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2023-09-29",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2023,
      "state": "FL"
    },
    "federal_registration": null
  }
}