{
  "canonical_url": "https://lendb.ai/lo/joshua-champneys-1156263",
  "loan_officer": {
    "nmls_id": 1156263,
    "slug": "joshua-champneys-1156263",
    "canonical_url": "https://lendb.ai/lo/joshua-champneys-1156263",
    "md_url": "https://lendb.ai/lo/joshua-champneys-1156263.md",
    "json_url": "https://lendb.ai/lo/joshua-champneys-1156263.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1156263",
    "full_name": {
      "value": "Joshua Champneys",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/josh",
      "verified_at": "2026-10-09"
    },
    "first_name": "Joshua",
    "last_name": "Champneys",
    "headshot_url": {
      "value": "https://v5.airtableusercontent.com/v3/u/58/58/1791554400000/_W9AWWx9iLTkBR-uN14v7Q/4mhch8dg3tkznBQyM154EYITNs5y58Ql6po3gb8llZh5_IR1L8NlPWPcJ03OXIOaw2JyeNUbzoAMQDrp3vL8DaYIWrpqBoTr0IPRhjPKipac-AFJIIkTM2OuL4zpw_j3QkSJn_Oy-dVrqql5U2ukHw/ap4m5KRL8hMBtW3Em46BDIVlz7faolzzSD_dx59yy4s",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/josh",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Joshua is known as the \"Mortgage Dad\" with 18 years serving working families and 15 years of financial services experience across 20 states. A real estate investor with background in counseling and pastoral ministry, he specializes in helping families make sound financial decisions.",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/josh",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/josh",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/josh",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 8,
    "years_experience": {
      "value": 18,
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/josh",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 1839243,
      "lender_name": "Empire Home Loans",
      "lender_slug": "empire-home-loans-1839243",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.empirehomeloans.com/team/josh",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/josh",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1839243,
        "lender_name": "Empire Home Loans",
        "lender_slug": "empire-home-loans-1839243",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.empirehomeloans.com/team/josh",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/josh",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO51597",
        "status": "active",
        "issued_at": "2018-03-14",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      }
    ],
    "specialties": [
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/josh",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "construction",
        "label": "Construction loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/josh",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/josh",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/josh",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "manufactured",
        "label": "Manufactured home",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/josh",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/josh",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/josh",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/josh",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/josh",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "18",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/josh",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Branch Manager and Loan Officer, builder of multi-million-dollar financial services and insurance brokerages",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/josh",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "20 states",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/josh",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Volunteers teaching financial wellness courses on budgeting, insurance planning and retirement",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/josh",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 10:00:41.937089+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/joshua-champneys-1156263#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.empirehomeloans.com/team/josh",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2018,
      "state": "FL"
    },
    "federal_registration": null
  }
}