{
  "canonical_url": "https://lendb.ai/s/co-op/idaho",
  "summary": "As of 2026-10-09, LenDb lists 1 loan officer licensed in or based in Idaho whose lender pages show Co-op work. The top-ranked is Thomas Smythe (JPMorgan Chase Bank (Chase Home Lending), Boise). Ranking is lender-neutral: specialty evidence first, then a license in ID, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "co-op",
  "state": "ID",
  "total": 1,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 46,
      "loan_officer": {
        "nmls_id": 625360,
        "slug": "thomas-smythe-625360",
        "full_name": "Thomas Smythe",
        "canonical_url": "https://lendb.ai/lo/thomas-smythe-625360",
        "json_url": "https://lendb.ai/lo/thomas-smythe-625360.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Boise",
          "state": "ID"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "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": "jumbo",
            "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://homelendingadvisor.chase.com/id/boise/3550-w-state-st-hla-625360",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Co-op on lender page (lender page, verified 2026-10-09)",
        "Office in Boise, ID",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Licensed since 2019 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/thomas-smythe-625360",
      "license_check": {
        "state": "ID",
        "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": []
    }
  ]
}