{
  "canonical_url": "https://lendb.ai/lo/rachel-stevens-831678",
  "loan_officer": {
    "nmls_id": 831678,
    "slug": "rachel-stevens-831678",
    "canonical_url": "https://lendb.ai/lo/rachel-stevens-831678",
    "md_url": "https://lendb.ai/lo/rachel-stevens-831678.md",
    "json_url": "https://lendb.ai/lo/rachel-stevens-831678.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/831678",
    "full_name": {
      "value": "Rachel Stevens",
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/rachel-stevens",
      "verified_at": "2026-10-09"
    },
    "first_name": "Rachel",
    "last_name": "Stevens",
    "headshot_url": {
      "value": "https://xperthomelending.com/hs-fs/hubfs/Headshots/Processed/Rachel-Stevens.webp?width=600&name=Rachel-Stevens.webp",
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/rachel-stevens",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Rachel is a Mortgage Strategist with over 25 years in finance and lending serving Colorado, California, and Florida. She helps first-time buyers, move-up buyers, retirees, self-employed professionals, and high-net-worth clients structure financing for homeownership and long-term financial goals.",
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/rachel-stevens",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Strategist",
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/rachel-stevens",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/rachel-stevens",
      "verified_at": "2026-10-09"
    },
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    "years_experience": null,
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    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 2179191,
      "lender_name": "Xpert Home Lending",
      "lender_slug": "xpert-home-lending-2179191",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://xperthomelending.com/loan-directory/rachel-stevens",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/rachel-stevens",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
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        "lender_name": "Xpert Home Lending",
        "lender_slug": "xpert-home-lending-2179191",
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        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/rachel-stevens",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/rachel-stevens",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
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        "license_type": "state_license",
        "license_number": "LO136757",
        "status": "active",
        "issued_at": "2025-04-01",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": "100513719",
        "status": "active",
        "issued_at": "2019-03-15",
        "source": "state_regulator",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=230855&contact=40845",
        "verified_at": "2026-10-10",
        "confidence": "confirmed"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/rachel-stevens",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/rachel-stevens",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/rachel-stevens",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "25+",
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/rachel-stevens",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Colorado, California, and Florida",
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/rachel-stevens",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 10:12:16.052952+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/rachel-stevens-831678#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://xperthomelending.com/loan-directory/rachel-stevens",
      "verified_at": "2026-10-09"
    },
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      "year": 2019,
      "state": "CO"
    },
    "federal_registration": null
  }
}