{
  "canonical_url": "https://lendb.ai/lo/anais-palmer-2040848",
  "lede": {
    "text": "Anais Palmer (NMLS 2040848) is a Loan Officer at Lifetime Home Loans, LLC, licensed in California since 2025 and in Florida. Anais's focus, from their own profile, includes first-time buyer and VA loan.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Anais licensed in Florida?",
      "a": "Yes. Florida regulator records list license LO146522 as active, first effective April 3, 2026 (verified 2026-10-15). LenDb has 4 other states on file for Anais.",
      "fields": [
        "licenses"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
      "verified_at": "2026-10-15"
    },
    {
      "q": "Does Anais list first-time buyer as a focus?",
      "a": "Anais's profile lists first-time buyer as a focus (from their lender profile page). It also lists VA loan.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://lifetimehomeloans.com/project/anais-palmer/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Anais work for?",
      "a": "Lifetime Home Loans, LLC, company NMLS 1861406, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://lifetimehomeloans.com/project/anais-palmer/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Anais been licensed?",
      "a": "The earliest state license record LenDb holds for Anais is from November 24, 2025 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "California state regulator",
      "source_url": "https://dfpi.ca.gov/",
      "verified_at": "2026-10-24"
    }
  ],
  "field_notes": {
    "languages": "Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it."
  },
  "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
  }
}