{
  "canonical_url": "https://lendb.ai/lo/michelle-paxton-831343",
  "loan_officer": {
    "nmls_id": 831343,
    "slug": "michelle-paxton-831343",
    "canonical_url": "https://lendb.ai/lo/michelle-paxton-831343",
    "md_url": "https://lendb.ai/lo/michelle-paxton-831343.md",
    "json_url": "https://lendb.ai/lo/michelle-paxton-831343.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/831343",
    "full_name": {
      "value": "Michelle Paxton",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton",
      "verified_at": "2026-10-16"
    },
    "first_name": "Michelle",
    "last_name": "Paxton",
    "licensed_names": [
      {
        "name": "Michelle Paxton",
        "name_with_middle_initial": "Michelle A. Paxton",
        "first_name": "Michelle",
        "middle_initial": "A",
        "last_name": "Paxton",
        "states": [
          "CA"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-22"
      }
    ],
    "headshot_url": {
      "value": "https://a.mktgcdn.com/p/as4cyXQoj4MB0rs8hLbqecjKd5HBcc9vieWQHeC6euM/304x375.jpg",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Michelle Paxton has helped people with their lending goals since 2001. They host homebuyer seminars throughout the Sacramento area and teach financial education. Outside of work they enjoy water skiing and snow skiing.",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Residential Loan Officer",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 439266,
      "lender_name": "Banner Bank",
      "lender_slug": "banner-bank-439266",
      "branch_city": "Folsom",
      "branch_state": "CA",
      "branch_zip": "95630",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 439266,
        "lender_name": "Banner Bank",
        "lender_slug": "banner-bank-439266",
        "branch_city": "Folsom",
        "branch_state": "CA",
        "branch_zip": "95630",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DBO831343",
        "status": "active",
        "issued_at": "2015-11-04",
        "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": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 2001",
        "source": "lender_site",
        "source_url": "https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "service_area",
        "value": "Sacramento area",
        "source": "lender_site",
        "source_url": "https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "community",
        "value": "Teaches financial education",
        "source": "lender_site",
        "source_url": "https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton",
        "verified_at": "2026-10-16"
      }
    ],
    "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/michelle-paxton-831343#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://loanofficers.bannerbank.com/ca/folsom/michelle-paxton",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": {
      "date": "2015-11-04",
      "state": "CA"
    },
    "licensed_since": {
      "year": 2015,
      "state": "CA"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}