{
  "canonical_url": "https://lendb.ai/lo/anais-palmer-2040848",
  "loan_officer": {
    "nmls_id": 2040848,
    "slug": "anais-palmer-2040848",
    "canonical_url": "https://lendb.ai/lo/anais-palmer-2040848",
    "md_url": "https://lendb.ai/lo/anais-palmer-2040848.md",
    "json_url": "https://lendb.ai/lo/anais-palmer-2040848.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2040848",
    "full_name": {
      "value": "Anais Palmer",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/anais-palmer/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Anais",
    "last_name": "Palmer",
    "licensed_names": [
      {
        "name": "Anais Palmer",
        "name_with_middle_initial": "Anais G. Palmer",
        "first_name": "Anais",
        "middle_initial": "G",
        "last_name": "Palmer",
        "states": [
          "CA",
          "FL"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-22"
      }
    ],
    "headshot_url": {
      "value": "https://lifetimehomeloans.com/wp-content/uploads/2026/04/LO-Profile-Photo-on-Individual-Page.png",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/anais-palmer/",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Anais Palmer is a mortgage broker and licensed loan officer serving Arizona, California, Idaho, Florida and Utah. They have helped clients buy and refinance homes since 2020. They say they especially enjoy working with first-time homebuyers, single moms and veterans.",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/anais-palmer/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/anais-palmer/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/anais-palmer/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 1861406,
      "lender_name": "Lifetime Home Loans, LLC",
      "lender_slug": "lifetime-home-loans-llc-1861406",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://lifetimehomeloans.com/project/anais-palmer/",
      "lender_type": "other",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/anais-palmer/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1861406,
        "lender_name": "Lifetime Home Loans, LLC",
        "lender_slug": "lifetime-home-loans-llc-1861406",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://lifetimehomeloans.com/project/anais-palmer/",
        "lender_type": "other",
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/anais-palmer/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO146522",
        "status": "active",
        "issued_at": "2026-04-03",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "AZ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/anais-palmer/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DFPI2040848",
        "status": "active",
        "issued_at": "2025-11-24",
        "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"
      },
      {
        "state": "ID",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/anais-palmer/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "UT",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/anais-palmer/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/anais-palmer/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/anais-palmer/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "role",
        "value": "mortgage broker",
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/anais-palmer/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "years_experience",
        "value": "since 2020",
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/anais-palmer/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "service_area",
        "value": "Arizona, California, Idaho, Florida, and Utah",
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/anais-palmer/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "education",
        "value": "Arizona State University alum",
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/anais-palmer/",
        "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/anais-palmer-2040848#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://lifetimehomeloans.com/project/anais-palmer/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2025-11-24",
      "state": "CA"
    },
    "licensed_since": {
      "year": 2025,
      "state": "CA"
    },
    "federal_registration": null
  }
}