{
  "canonical_url": "https://lendb.ai/lo/michael-gavin-1438324",
  "loan_officer": {
    "nmls_id": 1438324,
    "slug": "michael-gavin-1438324",
    "canonical_url": "https://lendb.ai/lo/michael-gavin-1438324",
    "md_url": "https://lendb.ai/lo/michael-gavin-1438324.md",
    "json_url": "https://lendb.ai/lo/michael-gavin-1438324.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1438324",
    "full_name": {
      "value": "Michael P Gavin",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1438324",
      "verified_at": "2026-10-09"
    },
    "first_name": "Michael",
    "last_name": "Gavin",
    "headshot_url": {
      "value": "http://a.mktgcdn.com/p/fAZV3kpjjoSeW2qffmtvYiDM7c6xZQaGsRaZzpQ-s5k/800x1200.jpg",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1438324",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Michael has 11 years of experience as a Home Lending Advisor CD, specializing in fixed and adjustable-rate mortgages, home equity lines of credit, FHA and VA mortgages, and conforming and jumbo loans.",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1438324",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Home Lending Advisor CD",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1438324",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1438324",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 3,
    "years_experience": {
      "value": 11,
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1438324",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 399798,
      "lender_name": "JPMorgan Chase Bank (Chase Home Lending)",
      "lender_slug": "chase-399798",
      "branch_city": "Columbus",
      "branch_state": "OH",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1438324",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1438324",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 399798,
        "lender_name": "JPMorgan Chase Bank (Chase Home Lending)",
        "lender_slug": "chase-399798",
        "branch_city": "Columbus",
        "branch_state": "OH",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1438324",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1438324",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO122390",
        "status": "active",
        "issued_at": "2023-08-17",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": "100539825",
        "status": "active",
        "issued_at": "2024-08-28",
        "source": "state_regulator",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=176425&contact=389270",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      }
    ],
    "specialties": [
      {
        "slug": "heloc",
        "label": "HELOC",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1438324",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.46,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1438324",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.43,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1438324",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.14,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1438324",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "11",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1438324",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Columbus, OH",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1438324",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 21:42:13.46906+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/michael-gavin-1438324#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://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1438324",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2023,
      "state": "FL"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}