{ "canonical_url": "https://lendb.ai/s/co-op/arizona", "summary": "As of 2026-10-09, LenDb lists 49 loan officers licensed in or based in Arizona whose lender pages show Co-op work. The top-ranked are Christopher Brown (JPMorgan Chase Bank (Chase Home Lending), Phoenix), Elaine Tompkins (JPMorgan Chase Bank (Chase Home Lending), Tempe) and Kimberly A Busby (JPMorgan Chase Bank (Chase Home Lending), Phoenix). Ranking is lender-neutral: specialty evidence first, then a license in AZ, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "co-op", "state": "AZ", "total": 49, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 54.8, "loan_officer": { "nmls_id": 1037350, "slug": "christopher-brown-1037350", "full_name": "Christopher Brown", "canonical_url": "https://lendb.ai/lo/christopher-brown-1037350", "json_url": "https://lendb.ai/lo/christopher-brown-1037350.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Phoenix", "state": "AZ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": 8, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": 10, "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1037350", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Phoenix, AZ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Licensed since 2018 (per Florida records)", "States 10 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/christopher-brown-1037350", "license_check": { "state": "AZ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 54.5, "loan_officer": { "nmls_id": 1710509, "slug": "elaine-tompkins-1710509", "full_name": "Elaine Tompkins", "canonical_url": "https://lendb.ai/lo/elaine-tompkins-1710509", "json_url": "https://lendb.ai/lo/elaine-tompkins-1710509.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Tempe", "state": "AZ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": 8, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/az/tempe/100-w-university-dr-hla-1710509", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Tempe, AZ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Licensed since 2018 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/elaine-tompkins-1710509", "license_check": { "state": "AZ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 52, "loan_officer": { "nmls_id": 1986318, "slug": "kimberly-a-busby-1986318", "full_name": "Kimberly A Busby", "canonical_url": "https://lendb.ai/lo/kimberly-a-busby-1986318", "json_url": "https://lendb.ai/lo/kimberly-a-busby-1986318.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Phoenix", "state": "AZ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 3, "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1986318", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Phoenix, AZ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 3 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kimberly-a-busby-1986318", "license_check": { "state": "AZ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 51.3, "loan_officer": { "nmls_id": 2142412, "slug": "celine-diaz-2142412", "full_name": "Celine Diaz", "canonical_url": "https://lendb.ai/lo/celine-diaz-2142412", "json_url": "https://lendb.ai/lo/celine-diaz-2142412.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Phoenix", "state": "AZ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 3, "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-2142412", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Phoenix, AZ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 3 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/celine-diaz-2142412", "license_check": { "state": "AZ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 50.8, "loan_officer": { "nmls_id": 219774, "slug": "beth-lewis-219774", "full_name": "Beth Lewis", "canonical_url": "https://lendb.ai/lo/beth-lewis-219774", "json_url": "https://lendb.ai/lo/beth-lewis-219774.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Evanston", "state": "IL" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "CT", "DC", "GA", "IL", "IN", "MA", "MD", "MI", "MN", "NC", "NV", "OH", "PA", "SC", "TN", "TX", "VA", "WA", "WI" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 16, "licensed_since": { "year": 2010, "state": "CO" }, "years_experience": 18, "lender_profile_url": "https://crosscountrymortgage.com/evanston-il-3035/beth-lewis/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2010 (per Colorado records)", "States 18 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/beth-lewis-219774", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/evanston-il-3035/beth-lewis/" }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 50.8, "loan_officer": { "nmls_id": 1249406, "slug": "juana-f-ruiz-1249406", "full_name": "Juana F Ruiz", "canonical_url": "https://lendb.ai/lo/juana-f-ruiz-1249406", "json_url": "https://lendb.ai/lo/juana-f-ruiz-1249406.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Phoenix", "state": "AZ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1249406", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Phoenix, AZ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/juana-f-ruiz-1249406", "license_check": { "state": "AZ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 50.8, "loan_officer": { "nmls_id": 2214467, "slug": "martin-ariel-fragala-2214467", "full_name": "Martin Ariel Fragala", "canonical_url": "https://lendb.ai/lo/martin-ariel-fragala-2214467", "json_url": "https://lendb.ai/lo/martin-ariel-fragala-2214467.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Phoenix", "state": "AZ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-2214467", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Phoenix, AZ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/martin-ariel-fragala-2214467", "license_check": { "state": "AZ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 50.5, "loan_officer": { "nmls_id": 1257537, "slug": "michael-n-wells-1257537", "full_name": "Michael N Wells", "canonical_url": "https://lendb.ai/lo/michael-n-wells-1257537", "json_url": "https://lendb.ai/lo/michael-n-wells-1257537.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Phoenix", "state": "AZ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1257537", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Phoenix, AZ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/michael-n-wells-1257537", "license_check": { "state": "AZ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 50.5, "loan_officer": { "nmls_id": 1565357, "slug": "kevin-w-emmons-1565357", "full_name": "Kevin W Emmons", "canonical_url": "https://lendb.ai/lo/kevin-w-emmons-1565357", "json_url": "https://lendb.ai/lo/kevin-w-emmons-1565357.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Casa Grande", "state": "AZ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/az/casa-grande/1201-e-florence-blvd-hla-1565357", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Casa Grande, AZ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/kevin-w-emmons-1565357", "license_check": { "state": "AZ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 50.5, "loan_officer": { "nmls_id": 1630798, "slug": "mark-stevens-1630798", "full_name": "Mark Stevens", "canonical_url": "https://lendb.ai/lo/mark-stevens-1630798", "json_url": "https://lendb.ai/lo/mark-stevens-1630798.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Tempe", "state": "AZ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/az/tempe/100-w-university-dr-hla-1630798", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Tempe, AZ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/mark-stevens-1630798", "license_check": { "state": "AZ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 50.5, "loan_officer": { "nmls_id": 1846523, "slug": "ivy-pingry-1846523", "full_name": "Ivy Pingry", "canonical_url": "https://lendb.ai/lo/ivy-pingry-1846523", "json_url": "https://lendb.ai/lo/ivy-pingry-1846523.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Tempe", "state": "AZ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/az/tempe/100-w-universtiy-dr-hla-1846523", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Tempe, AZ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/ivy-pingry-1846523", "license_check": { "state": "AZ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 12, "score": 50.5, "loan_officer": { "nmls_id": 1967525, "slug": "o-brian-p-enright-1967525", "full_name": "O'Brian P Enright", "canonical_url": "https://lendb.ai/lo/o-brian-p-enright-1967525", "json_url": "https://lendb.ai/lo/o-brian-p-enright-1967525.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Phoenix", "state": "AZ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1967525", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Phoenix, AZ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/o-brian-p-enright-1967525", "license_check": { "state": "AZ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 13, "score": 50.5, "loan_officer": { "nmls_id": 2152726, "slug": "katie-heyman-2152726", "full_name": "Katie Heyman", "canonical_url": "https://lendb.ai/lo/katie-heyman-2152726", "json_url": "https://lendb.ai/lo/katie-heyman-2152726.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Phoenix", "state": "AZ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-2152726", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Phoenix, AZ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/katie-heyman-2152726", "license_check": { "state": "AZ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 14, "score": 49.8, "loan_officer": { "nmls_id": 1727701, "slug": "brittany-jones-1727701", "full_name": "Brittany Jones", "canonical_url": "https://lendb.ai/lo/brittany-jones-1727701", "json_url": "https://lendb.ai/lo/brittany-jones-1727701.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Phoenix", "state": "AZ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1727701", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Phoenix, AZ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/brittany-jones-1727701", "license_check": { "state": "AZ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 15, "score": 49.8, "loan_officer": { "nmls_id": 2028864, "slug": "greg-tuzzolino-2028864", "full_name": "Greg Tuzzolino", "canonical_url": "https://lendb.ai/lo/greg-tuzzolino-2028864", "json_url": "https://lendb.ai/lo/greg-tuzzolino-2028864.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Phoenix", "state": "AZ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-e-sky-harbor-cir-s-hla-2028864", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Phoenix, AZ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/greg-tuzzolino-2028864", "license_check": { "state": "AZ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 16, "score": 49.5, "loan_officer": { "nmls_id": 625151, "slug": "jason-valada-625151", "full_name": "Jason Valada", "canonical_url": "https://lendb.ai/lo/jason-valada-625151", "json_url": "https://lendb.ai/lo/jason-valada-625151.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Phoenix", "state": "AZ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 14, "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-625151", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Phoenix, AZ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 14 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jason-valada-625151", "license_check": { "state": "AZ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 17, "score": 47.5, "loan_officer": { "nmls_id": 1366234, "slug": "joaquin-federico-1366234", "full_name": "JD D Federico", "canonical_url": "https://lendb.ai/lo/joaquin-federico-1366234", "json_url": "https://lendb.ai/lo/joaquin-federico-1366234.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Tempe", "state": "AZ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 10, "licensed_since": { "year": 2016, "state": "FL" }, "years_experience": 6, "lender_profile_url": "https://homelendingadvisor.chase.com/az/tempe/100-w-university-dr-hla-1366234", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Tempe, AZ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Licensed since 2016 (per Florida records)", "States 6 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/joaquin-federico-1366234", "license_check": { "state": "AZ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 18, "score": 46.8, "loan_officer": { "nmls_id": 1078142, "slug": "kyle-james-gdowski-1078142", "full_name": "Kyle James Gdowski", "canonical_url": "https://lendb.ai/lo/kyle-james-gdowski-1078142", "json_url": "https://lendb.ai/lo/kyle-james-gdowski-1078142.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Phoenix", "state": "AZ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 10, "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1078142", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Phoenix, AZ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 10 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kyle-james-gdowski-1078142", "license_check": { "state": "AZ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 19, "score": 45.5, "loan_officer": { "nmls_id": 157015, "slug": "peter-lucia-157015", "full_name": "Peter Lucia", "canonical_url": "https://lendb.ai/lo/peter-lucia-157015", "json_url": "https://lendb.ai/lo/peter-lucia-157015.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Brooklyn", "state": "NY" }, "licensed_states": [ "FL", "AZ", "CT", "IN", "KS", "MD", "ME", "NJ", "NV", "NY", "OH", "PA", "RI", "VA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/brooklyn-ny-5601/peter-lucia/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2017 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/peter-lucia-157015", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/brooklyn-ny-5601/peter-lucia/" }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 20, "score": 45, "loan_officer": { "nmls_id": 200175, "slug": "court-crofoot-200175", "full_name": "Court Crofoot", "canonical_url": "https://lendb.ai/lo/court-crofoot-200175", "json_url": "https://lendb.ai/lo/court-crofoot-200175.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Scottsdale", "state": "AZ" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "IL", "KS", "MO", "NC", "TX", "WA", "WY" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 2, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-3641/courtney-crofoot/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Scottsdale, AZ", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2024 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/court-crofoot-200175", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/scottsdale-az-3641/courtney-crofoot/" }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 21, "score": 44.8, "loan_officer": { "nmls_id": 854517, "slug": "chris-leon-854517", "full_name": "Chris Leon", "canonical_url": "https://lendb.ai/lo/chris-leon-854517", "json_url": "https://lendb.ai/lo/chris-leon-854517.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Sierra Vista", "state": "AZ" }, "licensed_states": [ "AZ" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/sierra-vista-az-4659/christopher-leon/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Sierra Vista, AZ", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/chris-leon-854517", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/sierra-vista-az-4659/christopher-leon/" }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 22, "score": 44.8, "loan_officer": { "nmls_id": 1993803, "slug": "tori-irwin-1993803", "full_name": "Tori Irwin", "canonical_url": "https://lendb.ai/lo/tori-irwin-1993803", "json_url": "https://lendb.ai/lo/tori-irwin-1993803.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Phoenix", "state": "AZ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1993803", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Phoenix, AZ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Licensed since 2020 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/tori-irwin-1993803", "license_check": { "state": "AZ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 23, "score": 44, "loan_officer": { "nmls_id": 1732752, "slug": "mitchell-travers-1732752", "full_name": "Mitchell G Travers", "canonical_url": "https://lendb.ai/lo/mitchell-travers-1732752", "json_url": "https://lendb.ai/lo/mitchell-travers-1732752.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Phoenix", "state": "AZ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1732752", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Phoenix, AZ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Licensed since 2023 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/mitchell-travers-1732752", "license_check": { "state": "AZ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 24, "score": 43.5, "loan_officer": { "nmls_id": 624079, "slug": "agustin-barajas-624079", "full_name": "Augie Barajas", "canonical_url": "https://lendb.ai/lo/agustin-barajas-624079", "json_url": "https://lendb.ai/lo/agustin-barajas-624079.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Phoenix", "state": "AZ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 2, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-624079", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Phoenix, AZ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Licensed since 2024 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/agustin-barajas-624079", "license_check": { "state": "AZ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 25, "score": 43.3, "loan_officer": { "nmls_id": 1128672, "slug": "arnell-brady-1128672", "full_name": "Arnell Brady II", "canonical_url": "https://lendb.ai/lo/arnell-brady-1128672", "json_url": "https://lendb.ai/lo/arnell-brady-1128672.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Chicago", "state": "IL" }, "licensed_states": [ "AR", "AZ", "CA", "GA", "IL", "IN", "MD", "MI", "MO", "NV", "TX" ], "licenses": [ { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/il/chicago/3500-south-king-drive-hla-1128672", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2023 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/arnell-brady-1128672", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://homelendingadvisor.chase.com/il/chicago/3500-south-king-drive-hla-1128672" }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] } ] }