{
  "canonical_url": "https://lendb.ai/lo/richard-opperman-146231",
  "loan_officer": {
    "nmls_id": 146231,
    "slug": "richard-opperman-146231",
    "canonical_url": "https://lendb.ai/lo/richard-opperman-146231",
    "md_url": "https://lendb.ai/lo/richard-opperman-146231.md",
    "json_url": "https://lendb.ai/lo/richard-opperman-146231.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/146231",
    "full_name": {
      "value": "Richard Opperman",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/fl/wesley-chapel/32106-pioneering-pl-hla-146231",
      "verified_at": "2026-10-09"
    },
    "first_name": "Richard",
    "last_name": "Opperman",
    "headshot_url": null,
    "bio": null,
    "title": {
      "value": "Senior Home Lending Advisor",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/fl/wesley-chapel/32106-pioneering-pl-hla-146231",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/fl/wesley-chapel/32106-pioneering-pl-hla-146231",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 6,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 60,
    "current_employment": {
      "lender_nmls_id": 399798,
      "lender_name": "JPMorgan Chase Bank (Chase Home Lending)",
      "lender_slug": "chase-399798",
      "branch_city": "Wesley Chapel",
      "branch_state": "FL",
      "branch_zip": "33545",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://homelendingadvisor.chase.com/fl/wesley-chapel/32106-pioneering-pl-hla-146231",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/fl/wesley-chapel/32106-pioneering-pl-hla-146231",
      "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": "Wesley Chapel",
        "branch_state": "FL",
        "branch_zip": "33545",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/fl/wesley-chapel/32106-pioneering-pl-hla-146231",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/fl/wesley-chapel/32106-pioneering-pl-hla-146231",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO74441",
        "status": "expired",
        "issued_at": "2020-09-17",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-09"
      }
    ],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.46,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/fl/wesley-chapel/32106-pioneering-pl-hla-146231",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "service_area",
        "value": "Pasco and surrounding counties",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/fl/wesley-chapel/32106-pioneering-pl-hla-146231",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 22:05:01.392931+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/richard-opperman-146231#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/fl/wesley-chapel/32106-pioneering-pl-hla-146231",
      "verified_at": "2026-10-09"
    }
  }
}