{
  "canonical_url": "https://lendb.ai/lo/jacob-ragusa-1732693",
  "loan_officer": {
    "nmls_id": 1732693,
    "slug": "jacob-ragusa-1732693",
    "canonical_url": "https://lendb.ai/lo/jacob-ragusa-1732693",
    "md_url": "https://lendb.ai/lo/jacob-ragusa-1732693.md",
    "json_url": "https://lendb.ai/lo/jacob-ragusa-1732693.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1732693",
    "full_name": {
      "value": "Jacob Ragusa",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/ny/sunnyside/4610-queens-blvd-hla-1732693",
      "verified_at": "2026-10-09"
    },
    "first_name": "Jacob",
    "last_name": "Ragusa",
    "headshot_url": {
      "value": "http://a.mktgcdn.com/p/T9wHaU6K6lXxja-QFfmiYGPWxwR_PZRP3tTw0zjcPds/695x1041.jpg",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/ny/sunnyside/4610-queens-blvd-hla-1732693",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Jacob has 5 years of experience as a Senior Home Lending Advisor serving the New York City area. Fluent in Spanish, Jacob specializes in lending to self-employed clients, condo and co-op lending, and jumbo mortgages.",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/ny/sunnyside/4610-queens-blvd-hla-1732693",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Senior Home Lending Advisor",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/ny/sunnyside/4610-queens-blvd-hla-1732693",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [
        "es"
      ],
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/ny/sunnyside/4610-queens-blvd-hla-1732693",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 1,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 399798,
      "lender_name": "JPMorgan Chase Bank (Chase Home Lending)",
      "lender_slug": "chase-399798",
      "branch_city": "Sunnyside",
      "branch_state": "NY",
      "branch_zip": "11104",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://homelendingadvisor.chase.com/ny/sunnyside/4610-queens-blvd-hla-1732693",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/ny/sunnyside/4610-queens-blvd-hla-1732693",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 399798,
        "lender_name": "JPMorgan Chase Bank (Chase Home Lending)",
        "lender_slug": "chase-399798",
        "branch_city": "Sunnyside",
        "branch_state": "NY",
        "branch_zip": "11104",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/sunnyside/4610-queens-blvd-hla-1732693",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/ny/sunnyside/4610-queens-blvd-hla-1732693",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO134340",
        "status": "expired",
        "issued_at": "2025-01-06",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      }
    ],
    "specialties": [
      {
        "slug": "co-op",
        "label": "Co-op",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/ny/sunnyside/4610-queens-blvd-hla-1732693",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "condo",
        "label": "Condo",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/ny/sunnyside/4610-queens-blvd-hla-1732693",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "evidence": "lender_page_text",
        "confidence": 0.38,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/ny/sunnyside/4610-queens-blvd-hla-1732693",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.14,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/ny/sunnyside/4610-queens-blvd-hla-1732693",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/ny/sunnyside/4610-queens-blvd-hla-1732693",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/jacob-ragusa-52a716132/",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/ny/sunnyside/4610-queens-blvd-hla-1732693",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "service_area",
        "value": "New York City area",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/ny/sunnyside/4610-queens-blvd-hla-1732693",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 21:50:56.347645+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/jacob-ragusa-1732693#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://homelendingadvisor.chase.com/ny/sunnyside/4610-queens-blvd-hla-1732693",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2025,
      "state": "FL"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}