{
  "canonical_url": "https://lendb.ai/lo/juan-owens-187746",
  "lede": {
    "text": "Juan Owens (NMLS 187746) is a Mortgage Loan Originator at CME Lending Group LLC, serving Mississippi and Tennessee. Juan's lender page shows a focus on first-time buyer, real estate investor and self-employed, and Juan works at an FHA-approved lender, per HUD.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "specialties",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Juan licensed in Mississippi?",
      "a": "CME Lending Group LLC's page for Juan lists Mississippi. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access. LenDb has 1 other state on file for Juan.",
      "fields": [
        "licenses"
      ],
      "source": "lender page",
      "source_url": "https://themortgageexchange.com/team-member/juan-owens/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "Does Juan list first-time buyer as a focus?",
      "a": "Juan's profile lists first-time buyer as a focus (from their lender profile page). It also lists real estate investor and self-employed.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://themortgageexchange.com/team-member/juan-owens/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Juan work for, and is it FHA-approved?",
      "a": "CME Lending Group LLC, company NMLS 1248883, per the lender's own site (verified 2026-10-15). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026).",
      "fields": [
        "current_employment",
        "employer_program_approvals"
      ],
      "source": "lender site; HUD",
      "source_url": "https://themortgageexchange.com/team-member/juan-owens/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How much experience does Juan have?",
      "a": "Juan states 15 years of experience.",
      "fields": [
        "years_experience"
      ],
      "source": "the loan officer's own statement",
      "source_url": "https://themortgageexchange.com/team-member/juan-owens/",
      "verified_at": "2026-10-15"
    }
  ],
  "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": 187746,
    "slug": "juan-owens-187746",
    "canonical_url": "https://lendb.ai/lo/juan-owens-187746",
    "md_url": "https://lendb.ai/lo/juan-owens-187746.md",
    "json_url": "https://lendb.ai/lo/juan-owens-187746.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/187746",
    "full_name": {
      "value": "Juan Owens",
      "source": "lender_site",
      "source_url": "https://themortgageexchange.com/team-member/juan-owens/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Juan",
    "last_name": "Owens",
    "headshot_url": {
      "value": "https://themortgageexchange.com/clients/2915/uploads/2024/05/Juan-Owens-Desoto-headshot.jpg",
      "source": "lender_site",
      "source_url": "https://themortgageexchange.com/team-member/juan-owens/",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Juan Owens is a Mortgage Loan Originator with 15+ years of experience in lending. Their profile says they work with first-time homebuyers, investors and self-employed individuals. They are licensed in MS and TN.",
      "source": "lender_site",
      "source_url": "https://themortgageexchange.com/team-member/juan-owens/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Mortgage Loan Originator",
      "source": "lender_site",
      "source_url": "https://themortgageexchange.com/team-member/juan-owens/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://themortgageexchange.com/team-member/juan-owens/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 15,
      "source": "lender_site",
      "source_url": "https://themortgageexchange.com/team-member/juan-owens/",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 1248883,
      "lender_name": "CME Lending Group LLC",
      "lender_slug": "cme-lending-group-llc-1248883",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://themortgageexchange.com/team-member/juan-owens/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://themortgageexchange.com/team-member/juan-owens/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1248883,
        "lender_name": "CME Lending Group LLC",
        "lender_slug": "cme-lending-group-llc-1248883",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://themortgageexchange.com/team-member/juan-owens/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://themortgageexchange.com/team-member/juan-owens/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "MS",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://themortgageexchange.com/team-member/juan-owens/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "TN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://themortgageexchange.com/team-member/juan-owens/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://themortgageexchange.com/team-member/juan-owens/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://themortgageexchange.com/team-member/juan-owens/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://themortgageexchange.com/team-member/juan-owens/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "15+",
        "source": "lender_site",
        "source_url": "https://themortgageexchange.com/team-member/juan-owens/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "service_area",
        "value": "Mississippi and Tennessee",
        "source": "lender_site",
        "source_url": "https://themortgageexchange.com/team-member/juan-owens/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 20:00:38.707868+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/juan-owens-187746#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://themortgageexchange.com/team-member/juan-owens/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}