{
  "canonical_url": "https://lendb.ai/lo/italo-badia-taveras-2653111",
  "lede": {
    "text": "Italo Badia (NMLS 2653111) is an Associate Sales Director at INDEPENDENCE HOME LOANS LLC, licensed in Oregon since 2025 and in Florida, Connecticut, Louisiana and 5 more states. Italo's lender page shows a focus on VA loan.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Italo licensed in Florida?",
      "a": "Yes. Florida regulator records list license LO137055 as active, first effective April 10, 2025 (verified 2026-10-15). LenDb has 8 other states on file for Italo.",
      "fields": [
        "licenses"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
      "verified_at": "2026-10-15"
    },
    {
      "q": "Does Italo do VA loans?",
      "a": "Italo's profile lists VA loan as a focus (from their lender profile page).",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://independencehl.com/italo-badia/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Italo 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/italo-badia/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Italo been licensed?",
      "a": "The earliest state license record LenDb holds for Italo is from April 1, 2025 (Oregon regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Oregon state regulator",
      "source_url": "https://dfr.oregon.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": 2653111,
    "slug": "italo-badia-taveras-2653111",
    "canonical_url": "https://lendb.ai/lo/italo-badia-taveras-2653111",
    "md_url": "https://lendb.ai/lo/italo-badia-taveras-2653111.md",
    "json_url": "https://lendb.ai/lo/italo-badia-taveras-2653111.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2653111",
    "full_name": {
      "value": "Italo Badia",
      "source": "lender_site",
      "source_url": "https://independencehl.com/italo-badia/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Italo",
    "last_name": "Badia",
    "licensed_names": [
      {
        "name": "Italo Badia Taveras",
        "name_with_middle_initial": "Italo F. Badia Taveras",
        "first_name": "Italo",
        "middle_initial": "F",
        "last_name": "Badia Taveras",
        "states": [
          "AR",
          "CA",
          "CT",
          "FL",
          "LA",
          "MD",
          "OR"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-26"
      },
      {
        "name": "Italo Badia Taveras",
        "name_with_middle_initial": null,
        "first_name": "Italo",
        "middle_initial": null,
        "last_name": "Badia Taveras",
        "states": [
          "WI"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-21"
      }
    ],
    "headshot_url": {
      "value": "https://independencehl.com/wp-content/uploads/2025/02/ItaloBadia-TaverasWebsite-350x350.png",
      "source": "lender_site",
      "source_url": "https://independencehl.com/italo-badia/",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Associate Sales Director",
      "source": "lender_site",
      "source_url": "https://independencehl.com/italo-badia/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://independencehl.com/italo-badia/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "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/italo-badia/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://independencehl.com/italo-badia/",
      "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/italo-badia/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://independencehl.com/italo-badia/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO137055",
        "status": "active",
        "issued_at": "2025-04-10",
        "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": "CT",
        "license_type": "state_license",
        "license_number": "LO-2653111",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "ct"
      },
      {
        "state": "LA",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "la"
      },
      {
        "state": "DE",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/",
        "verified_at": "2026-10-30",
        "confidence": "confirmed",
        "regulator": "de"
      },
      {
        "state": "AR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://securities.arkansas.gov/loans/nmls/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ar"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2025-04-01",
        "source": "state_regulator",
        "source_url": "https://dfr.oregon.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "or"
      },
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "2653111",
        "status": "active",
        "issued_at": "2026-06-05",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DFPI2653111",
        "status": "active",
        "issued_at": "2025-11-19",
        "source": "state_regulator",
        "source_url": "https://dfpi.ca.gov/",
        "verified_at": "2026-10-24",
        "confidence": "confirmed",
        "regulator": "ca_dfpi",
        "regulator_name": "California Department of Financial Protection and Innovation"
      },
      {
        "state": "MD",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.labor.maryland.gov/finance/",
        "verified_at": "2026-10-26",
        "confidence": "confirmed",
        "regulator": "md"
      }
    ],
    "specialties": [
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://independencehl.com/italo-badia/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "education",
        "value": "Bachelor's degree in finance from Florida International University (FIU)",
        "source": "lender_site",
        "source_url": "https://independencehl.com/italo-badia/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-30",
    "updated_at": "2026-10-30 15:38:22.768754+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/italo-badia-taveras-2653111#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/italo-badia/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2025-04-01",
      "state": "OR"
    },
    "licensed_since": {
      "year": 2025,
      "state": "OR"
    },
    "federal_registration": null
  }
}