{
  "canonical_url": "https://lendb.ai/lo/william-ruiz-455510",
  "loan_officer": {
    "nmls_id": 455510,
    "slug": "william-ruiz-455510",
    "canonical_url": "https://lendb.ai/lo/william-ruiz-455510",
    "md_url": "https://lendb.ai/lo/william-ruiz-455510.md",
    "json_url": "https://lendb.ai/lo/william-ruiz-455510.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/455510",
    "full_name": {
      "value": "William Ruiz",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/ca/west-covina/2800-e-workman-ave-hla-455510",
      "verified_at": "2026-10-09"
    },
    "first_name": "William",
    "last_name": "Ruiz",
    "headshot_url": {
      "value": "http://a.mktgcdn.com/p/ILqP08lp5BfdlIL0rQxCwdpLRk4H9xTD2XrUkBnwGCo/453x678.jpg",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/ca/west-covina/2800-e-workman-ave-hla-455510",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "William has 20 years of experience as a Home Lending Advisor serving Southern California with fluency in Spanish, specializing in lending to self-employed clients and FHA and VA mortgages.",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/ca/west-covina/2800-e-workman-ave-hla-455510",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Home Lending Advisor",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/ca/west-covina/2800-e-workman-ave-hla-455510",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [
        "es"
      ],
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/ca/west-covina/2800-e-workman-ave-hla-455510",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 399798,
      "lender_name": "JPMorgan Chase Bank (Chase Home Lending)",
      "lender_slug": "chase-399798",
      "branch_city": "West Covina",
      "branch_state": "CA",
      "branch_zip": "91791",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://homelendingadvisor.chase.com/ca/west-covina/2800-e-workman-ave-hla-455510",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/ca/west-covina/2800-e-workman-ave-hla-455510",
      "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": "West Covina",
        "branch_state": "CA",
        "branch_zip": "91791",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ca/west-covina/2800-e-workman-ave-hla-455510",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/ca/west-covina/2800-e-workman-ave-hla-455510",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "down-payment-assistance",
        "label": "Down payment assistance",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/ca/west-covina/2800-e-workman-ave-hla-455510",
        "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/ca/west-covina/2800-e-workman-ave-hla-455510",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "evidence": "lender_page_text",
        "confidence": 0.38,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/ca/west-covina/2800-e-workman-ave-hla-455510",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.35,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/ca/west-covina/2800-e-workman-ave-hla-455510",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/william-ruiz-39587217/",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/ca/west-covina/2800-e-workman-ave-hla-455510",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "service_area",
        "value": "Southern California",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/ca/west-covina/2800-e-workman-ave-hla-455510",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 09:29:14.410606+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/william-ruiz-455510#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/ca/west-covina/2800-e-workman-ave-hla-455510",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}