{ "canonical_url": "https://lendb.ai/s/co-op/california", "summary": "As of 2026-10-09, LenDb lists 66 loan officers licensed in or based in California whose lender pages show Co-op work. The top-ranked are Michael Tietz (JPMorgan Chase Bank (Chase Home Lending), San Diego), Christopher Albanese (CrossCountry Mortgage, Durango) and Beth Lewis (CrossCountry Mortgage, Evanston). Ranking is lender-neutral: specialty evidence first, then a license in CA, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "co-op", "state": "CA", "total": 66, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 55.3, "loan_officer": { "nmls_id": 53715, "slug": "michael-tietz-53715", "full_name": "Michael Tietz", "canonical_url": "https://lendb.ai/lo/michael-tietz-53715", "json_url": "https://lendb.ai/lo/michael-tietz-53715.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "San Diego", "state": "CA" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "de" ], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/san-diego/4111-governor-dr-hla-53715", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in San Diego, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Licensed since 2017 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/michael-tietz-53715", "license_check": { "state": "CA", "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": 52.8, "loan_officer": { "nmls_id": 63768, "slug": "christopher-albanese-63768", "full_name": "Christopher Albanese", "canonical_url": "https://lendb.ai/lo/christopher-albanese-63768", "json_url": "https://lendb.ai/lo/christopher-albanese-63768.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Durango", "state": "CO" }, "licensed_states": [ "FL", "CA", "CO", "CT", "IL", "MA", "NJ", "NY" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "multi-family-2-4", "evidence": "lender_page_text" }, { "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" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/durango-co-5164/christopher-albanese/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2020 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/christopher-albanese-63768", "license_check": { "state": "CA", "confidence": "lender_reported", "eligible": true, "label": "CA 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/durango-co-5164/christopher-albanese/" }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 3, "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)", "CA 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": "CA", "confidence": "lender_reported", "eligible": true, "label": "CA 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": 4, "score": 50.8, "loan_officer": { "nmls_id": 695329, "slug": "jonathan-chu-695329", "full_name": "Jonathan Chu", "canonical_url": "https://lendb.ai/lo/jonathan-chu-695329", "json_url": "https://lendb.ai/lo/jonathan-chu-695329.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Arcadia", "state": "CA" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "self-employed", "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/ca/arcadia/60-e-huntington-dr-hla-695329", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Arcadia, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/jonathan-chu-695329", "license_check": { "state": "CA", "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": 50.5, "loan_officer": { "nmls_id": 483215, "slug": "lala-babakhanian-483215", "full_name": "Lala Babakhanian", "canonical_url": "https://lendb.ai/lo/lala-babakhanian-483215", "json_url": "https://lendb.ai/lo/lala-babakhanian-483215.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Glendale", "state": "CA" }, "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": "self-employed", "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/ca/glendale/620-n-brand-blvd-hla-483215", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Glendale, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/lala-babakhanian-483215", "license_check": { "state": "CA", "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": 6, "score": 50.5, "loan_officer": { "nmls_id": 554826, "slug": "cherolynn-vila-554826", "full_name": "Cherolynn Vila", "canonical_url": "https://lendb.ai/lo/cherolynn-vila-554826", "json_url": "https://lendb.ai/lo/cherolynn-vila-554826.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Truckee", "state": "CA" }, "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": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/truckee/11260-donner-pass-rd-hla-554826", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Truckee, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/cherolynn-vila-554826", "license_check": { "state": "CA", "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": 50.5, "loan_officer": { "nmls_id": 669135, "slug": "david-chang-669135", "full_name": "David Chang", "canonical_url": "https://lendb.ai/lo/david-chang-669135", "json_url": "https://lendb.ai/lo/david-chang-669135.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "City Of Industry", "state": "CA" }, "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": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/city-of-industry/17247-colima-rd-hla-669135", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in City Of Industry, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/david-chang-669135", "license_check": { "state": "CA", "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": 670911, "slug": "barbara-mcdonough-670911", "full_name": "Barbara McDonough", "canonical_url": "https://lendb.ai/lo/barbara-mcdonough-670911", "json_url": "https://lendb.ai/lo/barbara-mcdonough-670911.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "San Francisco", "state": "CA" }, "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": "self-employed", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "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/ca/san-francisco/700-market-st-hla-670911", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in San Francisco, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/barbara-mcdonough-670911", "license_check": { "state": "CA", "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": 670919, "slug": "nancee-fujitake-670919", "full_name": "Nancee Fujitake", "canonical_url": "https://lendb.ai/lo/nancee-fujitake-670919", "json_url": "https://lendb.ai/lo/nancee-fujitake-670919.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "San Francisco", "state": "CA" }, "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": "down-payment-assistance", "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/ca/san-francisco/2166-chestnut-st-hla-670919", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in San Francisco, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/nancee-fujitake-670919", "license_check": { "state": "CA", "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": 799392, "slug": "rene-perez-799392", "full_name": "Rene Perez", "canonical_url": "https://lendb.ai/lo/rene-perez-799392", "json_url": "https://lendb.ai/lo/rene-perez-799392.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "San Francisco", "state": "CA" }, "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": "self-employed", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "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/ca/san-francisco/2112-15th-st-hla-799392", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in San Francisco, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/rene-perez-799392", "license_check": { "state": "CA", "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": 1719056, "slug": "ryan-t-hofmann-1719056", "full_name": "Ryan T. Hofmann", "canonical_url": "https://lendb.ai/lo/ryan-t-hofmann-1719056", "json_url": "https://lendb.ai/lo/ryan-t-hofmann-1719056.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Pinole", "state": "CA" }, "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": "self-employed", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "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/ca/pinole/1541-fitzgerald-dr-hla-1719056", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Pinole, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/ryan-t-hofmann-1719056", "license_check": { "state": "CA", "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": 1856958, "slug": "william-endres-1856958", "full_name": "William Endres", "canonical_url": "https://lendb.ai/lo/william-endres-1856958", "json_url": "https://lendb.ai/lo/william-endres-1856958.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Marina Del Rey", "state": "CA" }, "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": "jumbo", "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://homelendingadvisor.chase.com/ca/marina-del-rey/4676-admiralty-way-hla-1856958", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Marina Del Rey, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/william-endres-1856958", "license_check": { "state": "CA", "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": 49.8, "loan_officer": { "nmls_id": 360753, "slug": "chris-noceti-360753", "full_name": "Chris Noceti", "canonical_url": "https://lendb.ai/lo/chris-noceti-360753", "json_url": "https://lendb.ai/lo/chris-noceti-360753.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "San Francisco", "state": "CA" }, "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": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/san-francisco/1-front-st-hla-360753", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in San Francisco, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/chris-noceti-360753", "license_check": { "state": "CA", "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": 410091, "slug": "kathy-a-liu-410091", "full_name": "Kathy A Liu", "canonical_url": "https://lendb.ai/lo/kathy-a-liu-410091", "json_url": "https://lendb.ai/lo/kathy-a-liu-410091.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "San Francisco", "state": "CA" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "vacation-home", "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/ca/san-francisco/2112-15th-st-hla-410091", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in San Francisco, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/kathy-a-liu-410091", "license_check": { "state": "CA", "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": 48.5, "loan_officer": { "nmls_id": 235902, "slug": "shane-smith-235902", "full_name": "Shane Smith", "canonical_url": "https://lendb.ai/lo/shane-smith-235902", "json_url": "https://lendb.ai/lo/shane-smith-235902.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "San Diego", "state": "CA" }, "licensed_states": [ "FL", "CO" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" } ], "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" } ], "years_licensed": 12, "licensed_since": { "year": 2014, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/san-diego/101-w-broadway-ste-100-hla-235902", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in San Diego, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Licensed since 2014 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/shane-smith-235902", "license_check": { "state": "CA", "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": 47.5, "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": "confirmed" }, { "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": 13, "licensed_since": { "year": 2013, "state": "CO" }, "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)", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2013 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/court-crofoot-200175", "license_check": { "state": "CA", "confidence": "lender_reported", "eligible": true, "label": "CA 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": 17, "score": 46.8, "loan_officer": { "nmls_id": 1399224, "slug": "david-ho-1399224", "full_name": "David Ho", "canonical_url": "https://lendb.ai/lo/david-ho-1399224", "json_url": "https://lendb.ai/lo/david-ho-1399224.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "San Francisco", "state": "CA" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "vi" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "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" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 8, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/san-francisco/3301-geary-blvd-hla-1399224", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in San Francisco, CA", "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/david-ho-1399224", "license_check": { "state": "CA", "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": 45.3, "loan_officer": { "nmls_id": 63737, "slug": "nicole-mccarthy-63737", "full_name": "Nicole McCarthy", "canonical_url": "https://lendb.ai/lo/nicole-mccarthy-63737", "json_url": "https://lendb.ai/lo/nicole-mccarthy-63737.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Union", "state": "NJ" }, "licensed_states": [ "FL", "CA", "CT", "MA", "NJ", "NY", "PA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/union-nj-3412/nicole-mccarthy/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2019 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/nicole-mccarthy-63737", "license_check": { "state": "CA", "confidence": "lender_reported", "eligible": true, "label": "CA 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/union-nj-3412/nicole-mccarthy/" }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 19, "score": 45.3, "loan_officer": { "nmls_id": 385124, "slug": "scott-nadler-385124", "full_name": "Scott Nadler", "canonical_url": "https://lendb.ai/lo/scott-nadler-385124", "json_url": "https://lendb.ai/lo/scott-nadler-385124.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", "CA", "CT", "GA", "IL", "NJ", "NY", "PA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/brooklyn-ny-5601/scott-nadler/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2019 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/scott-nadler-385124", "license_check": { "state": "CA", "confidence": "lender_reported", "eligible": true, "label": "CA 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/scott-nadler/" }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 20, "score": 45, "loan_officer": { "nmls_id": 414192, "slug": "may-heravi-414192", "full_name": "May Heravi", "canonical_url": "https://lendb.ai/lo/may-heravi-414192", "json_url": "https://lendb.ai/lo/may-heravi-414192.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Danville", "state": "CA" }, "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "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": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/danville/4185-blackhawk-plaza-cir-hla-414192", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Danville, CA", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/may-heravi-414192", "license_check": { "state": "CA", "confidence": "lender_reported", "eligible": true, "label": "CA 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/ca/danville/4185-blackhawk-plaza-cir-hla-414192" }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 21, "score": 44.8, "loan_officer": { "nmls_id": 2014634, "slug": "dustin-sundby-2014634", "full_name": "Dustin Sundby", "canonical_url": "https://lendb.ai/lo/dustin-sundby-2014634", "json_url": "https://lendb.ai/lo/dustin-sundby-2014634.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Culver City", "state": "CA" }, "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" } ], "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": "va", "evidence": "lender_page_text" }, { "slug": "fha", "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": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/culver-city/5670-sepulveda-blvd-hla-2014634", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Culver City, CA", "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/dustin-sundby-2014634", "license_check": { "state": "CA", "confidence": "lender_reported", "eligible": true, "label": "CA 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/ca/culver-city/5670-sepulveda-blvd-hla-2014634" }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 22, "score": 44.5, "loan_officer": { "nmls_id": 282823, "slug": "eric-wood-282823", "full_name": "Eric Wood", "canonical_url": "https://lendb.ai/lo/eric-wood-282823", "json_url": "https://lendb.ai/lo/eric-wood-282823.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "San Mateo", "state": "CA" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "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": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/san-mateo/1730-s-el-camino-real-hla-282823", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in San Mateo, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Licensed since 2022 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/eric-wood-282823", "license_check": { "state": "CA", "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": 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)", "CA 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": "CA", "confidence": "lender_reported", "eligible": true, "label": "CA 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": [] }, { "rank": 24, "score": 42.8, "loan_officer": { "nmls_id": 395123, "slug": "sal-padilla-395123", "full_name": "Sal Padilla", "canonical_url": "https://lendb.ai/lo/sal-padilla-395123", "json_url": "https://lendb.ai/lo/sal-padilla-395123.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Coronado", "state": "CA" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "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": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/coronado/1000-orange-ave-hla-395123", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Coronado, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/sal-padilla-395123", "license_check": { "state": "CA", "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": 42.8, "loan_officer": { "nmls_id": 407542, "slug": "kimmie-vo-407542", "full_name": "Kimmie Vo", "canonical_url": "https://lendb.ai/lo/kimmie-vo-407542", "json_url": "https://lendb.ai/lo/kimmie-vo-407542.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Cupertino", "state": "CA" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "vi" ], "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": "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/ca/cupertino/20573-stevens-creek-blvd-hla-407542", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Cupertino, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/kimmie-vo-407542", "license_check": { "state": "CA", "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": [] } ] }