{
  "canonical_url": "https://lendb.ai/lo/jonathan-howard-1568511",
  "loan_officer": {
    "nmls_id": 1568511,
    "slug": "jonathan-howard-1568511",
    "canonical_url": "https://lendb.ai/lo/jonathan-howard-1568511",
    "md_url": "https://lendb.ai/lo/jonathan-howard-1568511.md",
    "json_url": "https://lendb.ai/lo/jonathan-howard-1568511.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1568511",
    "full_name": {
      "value": "Jonathan Howard",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/florida/tampa/jonathan-howard",
      "verified_at": "2026-10-10"
    },
    "first_name": "Jonathan",
    "last_name": "Howard",
    "headshot_url": {
      "value": "https://www.lower.com/hs-fs/hubfs/airtable-imports/profile-pics/lo-jonathan-howard.jpg?quality=80&format=webp&width=800&height=800&name=lo-jonathan-howard.jpg",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/florida/tampa/jonathan-howard",
      "verified_at": "2026-10-10"
    },
    "bio": {
      "value": "Jonathan Howard previously spent ten years as a financial advisor and uses that background to show buyers how a mortgage fits their overall finances. They have lived in Tampa for more than 20 years.",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/florida/tampa/jonathan-howard",
      "verified_at": "2026-10-10"
    },
    "title": {
      "value": "Branch Manager",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/florida/tampa/jonathan-howard",
      "verified_at": "2026-10-10"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/florida/tampa/jonathan-howard",
      "verified_at": "2026-10-10"
    },
    "years_licensed": 9,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 1124061,
      "lender_name": "Lower",
      "lender_slug": "lower-1124061",
      "branch_city": "Tampa",
      "branch_state": "FL",
      "branch_zip": "33606",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.lower.com/loan-officers/florida/tampa/jonathan-howard",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/florida/tampa/jonathan-howard",
      "verified_at": "2026-10-10"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "lender_slug": "lower-1124061",
        "branch_city": "Tampa",
        "branch_state": "FL",
        "branch_zip": "33606",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.lower.com/loan-officers/florida/tampa/jonathan-howard",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/florida/tampa/jonathan-howard",
        "verified_at": "2026-10-10"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO38112",
        "status": "active",
        "issued_at": "2017-01-10",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "AL",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/florida/tampa/jonathan-howard",
        "verified_at": "2026-10-10",
        "confidence": "lender_reported"
      },
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/florida/tampa/jonathan-howard",
        "verified_at": "2026-10-10",
        "confidence": "lender_reported"
      },
      {
        "state": "GA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/florida/tampa/jonathan-howard",
        "verified_at": "2026-10-10",
        "confidence": "lender_reported"
      },
      {
        "state": "IA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/florida/tampa/jonathan-howard",
        "verified_at": "2026-10-10",
        "confidence": "lender_reported"
      },
      {
        "state": "IL",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/florida/tampa/jonathan-howard",
        "verified_at": "2026-10-10",
        "confidence": "lender_reported"
      },
      {
        "state": "MN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/florida/tampa/jonathan-howard",
        "verified_at": "2026-10-10",
        "confidence": "lender_reported"
      },
      {
        "state": "MO",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/florida/tampa/jonathan-howard",
        "verified_at": "2026-10-10",
        "confidence": "lender_reported"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/florida/tampa/jonathan-howard",
        "verified_at": "2026-10-10",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/jfhoward/",
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/florida/tampa/jonathan-howard",
        "verified_at": "2026-10-10"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "other",
        "value": "Worked as a financial advisor for ten years before mortgage lending",
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/florida/tampa/jonathan-howard",
        "verified_at": "2026-10-10"
      },
      {
        "kind": "service_area",
        "value": "Tampa, FL (has lived in Tampa more than 20 years)",
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/florida/tampa/jonathan-howard",
        "verified_at": "2026-10-10"
      }
    ],
    "last_verified_at": "2026-10-10",
    "updated_at": "2026-10-11 01:27:04.099004+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/jonathan-howard-1568511#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://www.lower.com/loan-officers/florida/tampa/jonathan-howard",
      "verified_at": "2026-10-10"
    },
    "licensed_since": {
      "year": 2017,
      "state": "FL"
    },
    "federal_registration": null
  }
}