---
canonical_url: https://lendb.ai/lo/kyle-james-gdowski-1078142
json_url: https://lendb.ai/lo/kyle-james-gdowski-1078142.json
nmls_id: 1078142
last_verified: 2026-10-09
---

# Kyle James Gdowski

Home Lending Advisor at JPMorgan Chase Bank (Chase Home Lending), Phoenix, AZ. NMLS ID 1078142 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1078142)).

**Summary:** Kyle James Gdowski (NMLS 1078142) is Home Lending Advisor at JPMorgan Chase Bank (Chase Home Lending), based in Phoenix, AZ. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: Co-op, Condo, Vacation home, Self-employed and VA loan. States 10 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Years experience (stated by the LO): 10 (source: https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1078142, verified 2026-10-09)
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **Co-op** (`co-op`): lender page, confidence 0.70, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1078142
- **Condo** (`condo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1078142
- **Vacation home** (`vacation-home`): lender page, confidence 0.70, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1078142
- **Self-employed** (`self-employed`): lender page, confidence 0.38, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1078142
- **VA loan** (`va`): lender page, confidence 0.29, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1078142
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1078142

## About

Kyle has 10 years of experience as a Home Lending Advisor and specializes in preapproval, self-employed lending, fixed-rate mortgages, vacation home financing, condo and co-op lending, and first-time homebuyer programs.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 10. Source: https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1078142, verified 2026-10-09.
- credential: Chase Certified in VA Loans. Source: https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1078142, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: JPMorgan Chase Bank (Chase Home Lending) (NMLS 399798), Phoenix, AZ. Source: https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1078142, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1078142

## Contact

- View profile at JPMorgan Chase Bank (Chase Home Lending): https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1078142
- Office phone and Email on file: shown at https://lendb.ai/lo/kyle-james-gdowski-1078142#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1078142
- lender_site: https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1078142

Cite as: Kyle James Gdowski (NMLS 1078142), JPMorgan Chase Bank (Chase Home Lending). LenDb.ai, https://lendb.ai/lo/kyle-james-gdowski-1078142, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._