{
  "canonical_url": "https://lendb.ai/lo/jefferson-kadlec-944659",
  "lede": {
    "text": "Jefferson Kadlec (NMLS 944659) is a mortgage loan officer at NEXA Mortgage, licensed in Oregon since 2024.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment",
      "licenses",
      "earliest_license_record"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Jefferson licensed in Oregon?",
      "a": "Yes. Oregon regulator records list a license as active, first effective September 30, 2024 (verified 2026-10-20).",
      "fields": [
        "licenses"
      ],
      "source": "Oregon state regulator",
      "source_url": "https://dfr.oregon.gov/",
      "verified_at": "2026-10-20"
    },
    {
      "q": "What lender does Jefferson work for?",
      "a": "NEXA Mortgage, company NMLS 1660690, per the lender's own site (verified 2026-10-20).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://dfr.oregon.gov/",
      "verified_at": "2026-10-20"
    },
    {
      "q": "How long has Jefferson been licensed?",
      "a": "The earliest state license record LenDb holds for Jefferson is from September 30, 2024 (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": 944659,
    "slug": "jefferson-kadlec-944659",
    "canonical_url": "https://lendb.ai/lo/jefferson-kadlec-944659",
    "md_url": "https://lendb.ai/lo/jefferson-kadlec-944659.md",
    "json_url": "https://lendb.ai/lo/jefferson-kadlec-944659.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/944659",
    "full_name": {
      "value": "Jefferson Kadlec",
      "source": "state_regulator",
      "source_url": "https://dfr.oregon.gov/",
      "verified_at": "2026-10-20"
    },
    "first_name": "Jefferson",
    "last_name": "Kadlec",
    "licensed_names": [
      {
        "name": "Jefferson Kadlec",
        "name_with_middle_initial": "Jefferson P. Kadlec",
        "first_name": "Jefferson",
        "middle_initial": "P",
        "last_name": "Kadlec",
        "states": [
          "IA",
          "OR"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-19"
      }
    ],
    "headshot_url": null,
    "bio": null,
    "title": null,
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://dfr.oregon.gov/",
      "verified_at": "2026-10-20"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 0,
    "current_employment": {
      "lender_nmls_id": 1660690,
      "lender_name": "NEXA Mortgage",
      "lender_slug": "nexa-mortgage-1660690",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": null,
      "lender_type": "broker",
      "source": "state_regulator",
      "source_url": "https://dfr.oregon.gov/",
      "verified_at": "2026-10-20"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1660690,
        "lender_name": "NEXA Mortgage",
        "lender_slug": "nexa-mortgage-1660690",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": null,
        "lender_type": "broker",
        "source": "state_regulator",
        "source_url": "https://dfr.oregon.gov/",
        "verified_at": "2026-10-20"
      }
    ],
    "licenses": [
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2024-09-30",
        "source": "state_regulator",
        "source_url": "https://dfr.oregon.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "or"
      }
    ],
    "specialties": [],
    "lender_offers": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "lender_nmls_id": 1660690,
        "lender_name": "NEXA Mortgage",
        "source": "manual",
        "source_url": "https://nexamortgage.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "lender_nmls_id": 1660690,
        "lender_name": "NEXA Mortgage",
        "source": "manual",
        "source_url": "https://nexamortgage.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "lender_nmls_id": 1660690,
        "lender_name": "NEXA Mortgage",
        "source": "manual",
        "source_url": "https://nexamortgage.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "lender_nmls_id": 1660690,
        "lender_name": "NEXA Mortgage",
        "source": "manual",
        "source_url": "https://nexamortgage.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "lender_nmls_id": 1660690,
        "lender_name": "NEXA Mortgage",
        "source": "manual",
        "source_url": "https://nexamortgage.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "lender_nmls_id": 1660690,
        "lender_name": "NEXA Mortgage",
        "source": "manual",
        "source_url": "https://nexamortgage.com",
        "verified_at": "2026-10-08"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-20",
    "updated_at": "2026-10-20 22:59:37.914776+00",
    "disciplinary_check": "not_checked",
    "gated_contact": null,
    "earliest_license_record": {
      "date": "2024-09-30",
      "state": "OR"
    },
    "licensed_since": {
      "year": 2024,
      "state": "OR"
    },
    "federal_registration": null
  }
}