{
  "canonical_url": "https://lendb.ai/lo/kelson-penn-2011790",
  "loan_officer": {
    "nmls_id": 2011790,
    "slug": "kelson-penn-2011790",
    "canonical_url": "https://lendb.ai/lo/kelson-penn-2011790",
    "md_url": "https://lendb.ai/lo/kelson-penn-2011790.md",
    "json_url": "https://lendb.ai/lo/kelson-penn-2011790.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2011790",
    "full_name": {
      "value": "Kelson Penn",
      "source": "lender_site",
      "source_url": "https://rwmloans.com/kelson-penn/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Kelson",
    "last_name": "Penn",
    "headshot_url": null,
    "bio": null,
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://rwmloans.com/kelson-penn/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://rwmloans.com/kelson-penn/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 55,
    "current_employment": {
      "lender_nmls_id": 79445,
      "lender_name": "Residential Wholesale Mortgage, Inc.",
      "lender_slug": "residential-wholesale-mortgage-inc-79445",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "branch_zip": "92130",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://rwmloans.com/kelson-penn/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://rwmloans.com/kelson-penn/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 79445,
        "lender_name": "Residential Wholesale Mortgage, Inc.",
        "lender_slug": "residential-wholesale-mortgage-inc-79445",
        "branch_city": "San Diego",
        "branch_state": "CA",
        "branch_zip": "92130",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://rwmloans.com/kelson-penn/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://rwmloans.com/kelson-penn/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://rwmloans.com/kelson-penn/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "NV",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://rwmloans.com/kelson-penn/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/kelson-penn-81655559/",
        "source": "lender_site",
        "source_url": "https://rwmloans.com/kelson-penn/",
        "verified_at": "2026-10-15"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "education",
        "value": "Attended high school at the Army Navy Academy",
        "source": "lender_site",
        "source_url": "https://rwmloans.com/kelson-penn/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "education",
        "value": "Attended college at Cal State San Marcos",
        "source": "lender_site",
        "source_url": "https://rwmloans.com/kelson-penn/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "Owned an internet marketing company for 5 years before mortgage lending",
        "source": "lender_site",
        "source_url": "https://rwmloans.com/kelson-penn/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 10:04:54.891087+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/kelson-penn-2011790#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://rwmloans.com/kelson-penn/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}