{
  "canonical_url": "https://lendb.ai/lo/xavier-mejia-perez-1004644",
  "loan_officer": {
    "nmls_id": 1004644,
    "slug": "xavier-mejia-perez-1004644",
    "canonical_url": "https://lendb.ai/lo/xavier-mejia-perez-1004644",
    "md_url": "https://lendb.ai/lo/xavier-mejia-perez-1004644.md",
    "json_url": "https://lendb.ai/lo/xavier-mejia-perez-1004644.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1004644",
    "full_name": {
      "value": "Xavier Mejia Perez",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/ca/salinas/425-main-st-hla-1004644",
      "verified_at": "2026-10-09"
    },
    "first_name": "Xavier",
    "last_name": "Mejia Perez",
    "headshot_url": {
      "value": "http://a.mktgcdn.com/p/Usm3A9v6moEsE83M33T6EyefstH8z5kE3nKNbfFQqO4/723x1083.jpg",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/ca/salinas/425-main-st-hla-1004644",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Xavier has 14 years of experience and specializes in FHA mortgages, first-time homebuyer programs, jumbo mortgages, and lending to self-employed clients, serving the Greater Bay Area, Hollister, and Salinas with fluency in Spanish.",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/ca/salinas/425-main-st-hla-1004644",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Senior Home Lending Advisor",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/ca/salinas/425-main-st-hla-1004644",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [
        "es"
      ],
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/ca/salinas/425-main-st-hla-1004644",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
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      "lender_name": "JPMorgan Chase Bank (Chase Home Lending)",
      "lender_slug": "chase-399798",
      "branch_city": "Salinas",
      "branch_state": "CA",
      "branch_zip": "93901",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://homelendingadvisor.chase.com/ca/salinas/425-main-st-hla-1004644",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://homelendingadvisor.chase.com/ca/salinas/425-main-st-hla-1004644",
      "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": "Salinas",
        "branch_state": "CA",
        "branch_zip": "93901",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ca/salinas/425-main-st-hla-1004644",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/ca/salinas/425-main-st-hla-1004644",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "heloc",
        "label": "HELOC",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/ca/salinas/425-main-st-hla-1004644",
        "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/ca/salinas/425-main-st-hla-1004644",
        "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/salinas/425-main-st-hla-1004644",
        "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/ca/salinas/425-main-st-hla-1004644",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/ca/salinas/425-main-st-hla-1004644",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "service_area",
        "value": "Greater Bay Area, Hollister, Salinas",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/ca/salinas/425-main-st-hla-1004644",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "Chase Certified in FHA Loans",
        "source": "lender_site",
        "source_url": "https://homelendingadvisor.chase.com/ca/salinas/425-main-st-hla-1004644",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 21:56:00.690342+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/xavier-mejia-perez-1004644#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/salinas/425-main-st-hla-1004644",
      "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"
    }
  }
}