{
  "canonical_url": "https://lendb.ai/lo/taylor-oates-1921491",
  "loan_officer": {
    "nmls_id": 1921491,
    "slug": "taylor-oates-1921491",
    "canonical_url": "https://lendb.ai/lo/taylor-oates-1921491",
    "md_url": "https://lendb.ai/lo/taylor-oates-1921491.md",
    "json_url": "https://lendb.ai/lo/taylor-oates-1921491.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1921491",
    "full_name": {
      "value": "Taylor Oates",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1921491",
      "verified_at": "2026-10-09"
    },
    "first_name": "Taylor",
    "last_name": "Oates",
    "headshot_url": null,
    "bio": {
      "value": "Taylor has 6 years of experience and specializes in preapproval, fixed-rate mortgages, and home equity lines of credit.",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1921491",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Home Lending Advisor",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1921491",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1921491",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 6,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 75,
    "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-1921491",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1921491",
      "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-1921491",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1921491",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO67844",
        "status": "expired",
        "issued_at": "2020-02-12",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      }
    ],
    "specialties": [
      {
        "slug": "heloc",
        "label": "HELOC",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1921491",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.46,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1921491",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "credential",
        "value": "Chase Certified in FHA Loans",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1921491",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 22:01:57.040928+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/taylor-oates-1921491#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-1921491",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2020,
      "state": "FL"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}