{
  "canonical_url": "https://lendb.ai/lo/kristopher-hartmann-2022670",
  "loan_officer": {
    "nmls_id": 2022670,
    "slug": "kristopher-hartmann-2022670",
    "canonical_url": "https://lendb.ai/lo/kristopher-hartmann-2022670",
    "md_url": "https://lendb.ai/lo/kristopher-hartmann-2022670.md",
    "json_url": "https://lendb.ai/lo/kristopher-hartmann-2022670.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2022670",
    "full_name": {
      "value": "Kristopher Hartmann",
      "source": "lender_site",
      "source_url": "https://laderalending.com/team-member/kristopher-hartmann/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Kristopher",
    "last_name": "Hartmann",
    "licensed_names": [
      {
        "name": "Kristopher Hartmann",
        "name_with_middle_initial": "Kristopher M. Hartmann",
        "first_name": "Kristopher",
        "middle_initial": "M",
        "last_name": "Hartmann",
        "states": [
          "CA"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-22"
      }
    ],
    "headshot_url": {
      "value": "https://laderalending.com/clients/12240/uploads/2021/07/Kristopher-Hartmann.jpg",
      "source": "lender_site",
      "source_url": "https://laderalending.com/team-member/kristopher-hartmann/",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Kristopher Hartmann has worked in the mortgage industry since 2003. They say they have helped hundreds of families understand their home financing options. They were born and raised in Southern California.",
      "source": "lender_site",
      "source_url": "https://laderalending.com/team-member/kristopher-hartmann/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://laderalending.com/team-member/kristopher-hartmann/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://laderalending.com/team-member/kristopher-hartmann/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 835555,
      "lender_name": "Ladera Lending, Inc.",
      "lender_slug": "ladera-lending-inc-835555",
      "branch_city": "Las Vegas",
      "branch_state": "NV",
      "branch_zip": "89120",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://laderalending.com/team-member/kristopher-hartmann/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://laderalending.com/team-member/kristopher-hartmann/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 835555,
        "lender_name": "Ladera Lending, Inc.",
        "lender_slug": "ladera-lending-inc-835555",
        "branch_city": "Las Vegas",
        "branch_state": "NV",
        "branch_zip": "89120",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://laderalending.com/team-member/kristopher-hartmann/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://laderalending.com/team-member/kristopher-hartmann/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DFPI2022670",
        "status": "active",
        "issued_at": "2024-06-10",
        "source": "state_regulator",
        "source_url": "https://dfpi.ca.gov/",
        "verified_at": "2026-10-24",
        "confidence": "confirmed",
        "regulator": "ca_dfpi",
        "regulator_name": "California Department of Financial Protection and Innovation"
      }
    ],
    "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": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 2003",
        "source": "lender_site",
        "source_url": "https://laderalending.com/team-member/kristopher-hartmann/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-24",
    "updated_at": "2026-10-24 19:28:56.294761+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/kristopher-hartmann-2022670#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://laderalending.com/team-member/kristopher-hartmann/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2024-06-10",
      "state": "CA"
    },
    "licensed_since": {
      "year": 2024,
      "state": "CA"
    },
    "federal_registration": null
  }
}