{
  "canonical_url": "https://lendb.ai/lo/koa-chai-857472",
  "loan_officer": {
    "nmls_id": 857472,
    "slug": "koa-chai-857472",
    "canonical_url": "https://lendb.ai/lo/koa-chai-857472",
    "md_url": "https://lendb.ai/lo/koa-chai-857472.md",
    "json_url": "https://lendb.ai/lo/koa-chai-857472.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/857472",
    "full_name": {
      "value": "Koa Chai",
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/mitchell-chai",
      "verified_at": "2026-10-11"
    },
    "first_name": "Koa",
    "last_name": "Chai",
    "headshot_url": {
      "value": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/Production_10601_Mitchell_Chai",
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/mitchell-chai",
      "verified_at": "2026-10-11"
    },
    "bio": {
      "value": "Koa Chai has over 20 years of mortgage lending experience and is a former President’s club award winner. They focus on clear communication and building client trust through the whole process.",
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/mitchell-chai",
      "verified_at": "2026-10-11"
    },
    "title": {
      "value": "Senior Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/mitchell-chai",
      "verified_at": "2026-10-11"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/mitchell-chai",
      "verified_at": "2026-10-11"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 20,
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/mitchell-chai",
      "verified_at": "2026-10-11"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 1820,
      "lender_name": "CMG Home Loans",
      "lender_slug": "cmg-home-loans-1820",
      "branch_city": "Honolulu",
      "branch_state": "HI",
      "branch_zip": "96813",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.cmghomeloans.com/mysite/mitchell-chai",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.cmghomeloans.com/mysite/mitchell-chai",
      "verified_at": "2026-10-11"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1820,
        "lender_name": "CMG Home Loans",
        "lender_slug": "cmg-home-loans-1820",
        "branch_city": "Honolulu",
        "branch_state": "HI",
        "branch_zip": "96813",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/mitchell-chai",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/mitchell-chai",
        "verified_at": "2026-10-11"
      }
    ],
    "licenses": [],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "20",
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/mitchell-chai",
        "verified_at": "2026-10-11"
      },
      {
        "kind": "credential",
        "value": "Former President's Club award winner",
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/mitchell-chai",
        "verified_at": "2026-10-11"
      },
      {
        "kind": "education",
        "value": "Bachelor of Science, University of Washington; attended Punahou School",
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/mitchell-chai",
        "verified_at": "2026-10-11"
      },
      {
        "kind": "community",
        "value": "Member of Mamaka ‘Aialo",
        "source": "lender_site",
        "source_url": "https://www.cmghomeloans.com/mysite/mitchell-chai",
        "verified_at": "2026-10-11"
      }
    ],
    "last_verified_at": "2026-10-11",
    "updated_at": "2026-10-11 15:55:58.780946+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/koa-chai-857472#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.cmghomeloans.com/mysite/mitchell-chai",
      "verified_at": "2026-10-11"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}