{
  "canonical_url": "https://lendb.ai/lo/joel-maloney-275663",
  "loan_officer": {
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    "slug": "joel-maloney-275663",
    "canonical_url": "https://lendb.ai/lo/joel-maloney-275663",
    "md_url": "https://lendb.ai/lo/joel-maloney-275663.md",
    "json_url": "https://lendb.ai/lo/joel-maloney-275663.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/275663",
    "full_name": {
      "value": "Joel Maloney",
      "source": "state_regulator",
      "source_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
      "verified_at": "2026-10-26"
    },
    "first_name": "Joel",
    "last_name": "Maloney",
    "licensed_names": [
      {
        "name": "Joel Maloney",
        "name_with_middle_initial": "Joel A. Maloney",
        "first_name": "Joel",
        "middle_initial": "A",
        "last_name": "Maloney",
        "states": [
          "CA"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-15"
      }
    ],
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      "source": "state_regulator",
      "source_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
      "verified_at": "2026-10-26"
    },
    "bio": {
      "value": "Joel Maloney is a Loan Officer with over 45 years of experience originating residential and commercial loans. Most of their career has involved Santa Barbara County, and they are licensed to lend throughout California. They say they specialize in zero point residential mortgage loans and have expanded into reverse mortgage origination.",
      "source": "state_regulator",
      "source_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
      "verified_at": "2026-10-26"
    },
    "title": {
      "value": "Loan Officer",
      "source": "state_regulator",
      "source_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
      "verified_at": "2026-10-26"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
      "verified_at": "2026-10-26"
    },
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    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
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      "lender_slug": "lendwise-mortgage-inc-2702455",
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      "branch_state": "CA",
      "branch_zip": "91367",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
      "verified_at": "2026-10-26"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2702455,
        "lender_name": "Lendwise Mortgage, Inc.",
        "lender_slug": "lendwise-mortgage-inc-2702455",
        "branch_city": "Woodland Hills",
        "branch_state": "CA",
        "branch_zip": "91367",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
        "verified_at": "2026-10-26"
      }
    ],
    "licenses": [
      {
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        "license_type": "state_license",
        "license_number": "00887470",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html",
        "verified_at": "2026-10-24",
        "confidence": "confirmed",
        "regulator": "ca_dre",
        "regulator_name": "California Department of Real Estate"
      }
    ],
    "specialties": [
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
        "verified_at": "2026-10-26"
      }
    ],
    "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": "over 45",
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
        "verified_at": "2026-10-26"
      },
      {
        "kind": "service_area",
        "value": "Santa Barbara County",
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
        "verified_at": "2026-10-26"
      },
      {
        "kind": "service_area",
        "value": "San Diego, San Luis Obispo and San Francisco",
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
        "verified_at": "2026-10-26"
      },
      {
        "kind": "education",
        "value": "University of California, Santa Barbara; major in Political Science, minor in Economics",
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
        "verified_at": "2026-10-26"
      },
      {
        "kind": "education",
        "value": "Two years of legal education after undergraduate studies",
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
        "verified_at": "2026-10-26"
      }
    ],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-26 11:28:05.139866+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/joel-maloney-275663#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://lendwisemtg.com/loan-officers/joel-maloney",
      "verified_at": "2026-10-26"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}