{
  "canonical_url": "https://lendb.ai/lo/david-baker-91585",
  "loan_officer": {
    "nmls_id": 91585,
    "slug": "david-baker-91585",
    "canonical_url": "https://lendb.ai/lo/david-baker-91585",
    "md_url": "https://lendb.ai/lo/david-baker-91585.md",
    "json_url": "https://lendb.ai/lo/david-baker-91585.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/91585",
    "full_name": {
      "value": "David Baker",
      "source": "state_regulator",
      "source_url": "https://lifetimehomeloans.com/project/david-baker/",
      "verified_at": "2026-10-15"
    },
    "first_name": "David",
    "last_name": "Baker",
    "licensed_names": [
      {
        "name": "David Baker",
        "name_with_middle_initial": "David L. Baker",
        "first_name": "David",
        "middle_initial": "L",
        "last_name": "Baker",
        "states": [
          "CA",
          "FL",
          "OR",
          "TX"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-22"
      }
    ],
    "headshot_url": {
      "value": "https://lifetimehomeloans.com/wp-content/uploads/2025/02/Baker-David-Cropped.png",
      "source": "state_regulator",
      "source_url": "https://lifetimehomeloans.com/project/david-baker/",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Area Manager and Loan Officer",
      "source": "state_regulator",
      "source_url": "https://lifetimehomeloans.com/project/david-baker/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://lifetimehomeloans.com/project/david-baker/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 55,
    "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/david-baker/",
      "lender_type": "other",
      "source": "state_regulator",
      "source_url": "https://lifetimehomeloans.com/project/david-baker/",
      "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/david-baker/",
        "lender_type": "other",
        "source": "state_regulator",
        "source_url": "https://lifetimehomeloans.com/project/david-baker/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO117744",
        "status": "active",
        "issued_at": "2023-02-27",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2023-01-15",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": "91585",
        "status": "active",
        "issued_at": "2010-07-31",
        "source": "state_regulator",
        "source_url": "https://dfr.oregon.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "or"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DBO91585",
        "status": "active",
        "issued_at": "2018-03-12",
        "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": "other",
        "value": "Worked as a bookkeeper for a mortgage company before becoming a loan officer",
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/david-baker/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "Writes a weekly newsletter for clients and agent partners on market trends and interest rate movements",
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/david-baker/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "role",
        "value": "Mentors loan officers",
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/david-baker/",
        "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/david-baker-91585#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/david-baker/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2010-07-31",
      "state": "OR"
    },
    "licensed_since": {
      "year": 2010,
      "state": "OR"
    },
    "federal_registration": null
  }
}