{
  "canonical_url": "https://lendb.ai/lo/mindy-bratz-1835392",
  "lede": {
    "text": "Mindy Bratz, NMLS 1835392, works as a mortgage loan officer at A & N Mortgage Services, Inc. in Chicago, Illinois and is licensed in Illinois since 2019 and in Wisconsin. Mindy works at an FHA-approved lender, per HUD.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Mindy licensed in Illinois?",
      "a": "Yes. Illinois regulator records list license 31.0056025 as active, first effective April 10, 2019 (verified 2026-10-28). LenDb has 1 other state on file for Mindy.",
      "fields": [
        "licenses"
      ],
      "source": "Illinois state regulator",
      "source_url": "https://idfpr.illinois.gov/banks/resfin.html",
      "verified_at": "2026-10-28"
    },
    {
      "q": "What lender does Mindy work for, and is it FHA-approved?",
      "a": "A & N Mortgage Services, Inc., company NMLS 19291, from the Chicago, IL office, per the lender's own site (verified 2026-10-21). 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://www.anmtg.com/mlo/mindy-bratz",
      "verified_at": "2026-10-21"
    },
    {
      "q": "How long has Mindy been licensed?",
      "a": "The earliest state license record LenDb holds for Mindy is from April 10, 2019 (Illinois regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Illinois state regulator",
      "source_url": "https://idfpr.illinois.gov/banks/resfin.html",
      "verified_at": "2026-10-28"
    }
  ],
  "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": 1835392,
    "slug": "mindy-bratz-1835392",
    "canonical_url": "https://lendb.ai/lo/mindy-bratz-1835392",
    "md_url": "https://lendb.ai/lo/mindy-bratz-1835392.md",
    "json_url": "https://lendb.ai/lo/mindy-bratz-1835392.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1835392",
    "full_name": {
      "value": "Mindy Bratz",
      "source": "lender_site",
      "source_url": "https://www.anmtg.com/mlo/mindy-bratz",
      "verified_at": "2026-10-21"
    },
    "first_name": "Mindy",
    "last_name": "Bratz",
    "licensed_names": [
      {
        "name": "Mindy Bratz",
        "name_with_middle_initial": "Mindy A. Bratz",
        "first_name": "Mindy",
        "middle_initial": "A",
        "last_name": "Bratz",
        "states": [
          "FL"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-09"
      }
    ],
    "headshot_url": {
      "value": "https://cdn.prod.website-files.com/66a92bf960db8452e4abee90/6913907b8f6085cb8a0cb91f_9wohOXl9brUYF0Y4a839tWyWCLfzT1UDQIoMT-HqVog.jpeg",
      "source": "lender_site",
      "source_url": "https://www.anmtg.com/mlo/mindy-bratz",
      "verified_at": "2026-10-21"
    },
    "bio": null,
    "title": {
      "value": "Production Leader",
      "source": "lender_site",
      "source_url": "https://www.anmtg.com/mlo/mindy-bratz",
      "verified_at": "2026-10-21"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.anmtg.com/mlo/mindy-bratz",
      "verified_at": "2026-10-21"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 19291,
      "lender_name": "A & N Mortgage Services, Inc.",
      "lender_slug": "a-n-mortgage-services-inc-19291",
      "branch_city": "Chicago",
      "branch_state": "IL",
      "branch_zip": "60642",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.anmtg.com/mlo/mindy-bratz",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.anmtg.com/mlo/mindy-bratz",
      "verified_at": "2026-10-21"
    },
    "employment_history": [
      {
        "lender_nmls_id": 19291,
        "lender_name": "A & N Mortgage Services, Inc.",
        "lender_slug": "a-n-mortgage-services-inc-19291",
        "branch_city": "Chicago",
        "branch_state": "IL",
        "branch_zip": "60642",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.anmtg.com/mlo/mindy-bratz",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.anmtg.com/mlo/mindy-bratz",
        "verified_at": "2026-10-21"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO121581",
        "status": "expired",
        "issued_at": "2023-07-18",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "1835392",
        "status": "active",
        "issued_at": "2019-07-19",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      },
      {
        "state": "IL",
        "license_type": "state_license",
        "license_number": "31.0056025",
        "status": "active",
        "issued_at": "2019-04-10",
        "source": "state_regulator",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html",
        "verified_at": "2026-10-28",
        "confidence": "confirmed",
        "regulator": "il"
      }
    ],
    "specialties": [],
    "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": [],
    "last_verified_at": "2026-10-28",
    "updated_at": "2026-10-28 14:33:10.461673+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/mindy-bratz-1835392#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.anmtg.com/mlo/mindy-bratz",
      "verified_at": "2026-10-21"
    },
    "earliest_license_record": {
      "date": "2019-04-10",
      "state": "IL"
    },
    "licensed_since": {
      "year": 2019,
      "state": "IL"
    },
    "federal_registration": null
  }
}