{
  "canonical_url": "https://lendb.ai/lo/benjamin-fransen-2004153",
  "lede": {
    "text": "Ben Fransen, NMLS 2004153, works as a mortgage loan officer at Kama'aina Mortgage Group Inc. in Honolulu, Hawaii and is licensed in Florida since 2023 and in California. Ben's lender page shows a focus on VA loan, and Ben speaks Korean.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "specialties",
      "languages"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Ben licensed in Hawaii?",
      "a": "Kama'aina Mortgage Group Inc.'s page for Ben lists Hawaii. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access. LenDb has 7 other states on file for Ben.",
      "fields": [
        "licenses"
      ],
      "source": "lender page",
      "source_url": "https://www.kmghawaii.com/team-member/ben-fransen",
      "verified_at": "2026-10-15"
    },
    {
      "q": "Does Ben do VA loans?",
      "a": "Ben's profile lists VA loan as a focus (from their lender profile page).",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://www.kmghawaii.com/team-member/ben-fransen",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Ben work for?",
      "a": "Kama'aina Mortgage Group Inc., company NMLS 1276471, from the Honolulu, HI office, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.kmghawaii.com/team-member/ben-fransen",
      "verified_at": "2026-10-15"
    },
    {
      "q": "What languages does Ben speak?",
      "a": "Korean, per their lender page (verified 2026-10-15).",
      "fields": [
        "languages"
      ],
      "source": "lender page",
      "source_url": "https://www.kmghawaii.com/team-member/ben-fransen",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Ben been licensed?",
      "a": "The earliest state license record LenDb holds for Ben is from February 28, 2023 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
      "verified_at": "2026-10-15"
    }
  ],
  "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": 2004153,
    "slug": "benjamin-fransen-2004153",
    "canonical_url": "https://lendb.ai/lo/benjamin-fransen-2004153",
    "md_url": "https://lendb.ai/lo/benjamin-fransen-2004153.md",
    "json_url": "https://lendb.ai/lo/benjamin-fransen-2004153.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2004153",
    "full_name": {
      "value": "Ben Fransen",
      "source": "lender_site",
      "source_url": "https://www.kmghawaii.com/team-member/ben-fransen",
      "verified_at": "2026-10-15"
    },
    "first_name": "Ben",
    "last_name": "Fransen",
    "licensed_names": [
      {
        "name": "Benjamin Fransen",
        "name_with_middle_initial": "Benjamin D. Fransen",
        "first_name": "Benjamin",
        "middle_initial": "D",
        "last_name": "Fransen",
        "states": [
          "CA",
          "FL"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-22"
      }
    ],
    "headshot_url": {
      "value": "https://cdn.prod.website-files.com/692ed72deeca580e1cf7f297/6a146d4ca1aa4472778a7431_Ben%20Fransen%201.webp",
      "source": "lender_site",
      "source_url": "https://www.kmghawaii.com/team-member/ben-fransen",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Senior Loan Officer | HI FIVE Team",
      "source": "lender_site",
      "source_url": "https://www.kmghawaii.com/team-member/ben-fransen",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [
        "ko"
      ],
      "source": "lender_site",
      "source_url": "https://www.kmghawaii.com/team-member/ben-fransen",
      "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": 1276471,
      "lender_name": "Kama'aina Mortgage Group Inc.",
      "lender_slug": "kama-aina-mortgage-group-inc-1276471",
      "branch_city": "Honolulu",
      "branch_state": "HI",
      "branch_zip": "96813",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.kmghawaii.com/team-member/ben-fransen",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.kmghawaii.com/team-member/ben-fransen",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1276471,
        "lender_name": "Kama'aina Mortgage Group Inc.",
        "lender_slug": "kama-aina-mortgage-group-inc-1276471",
        "branch_city": "Honolulu",
        "branch_state": "HI",
        "branch_zip": "96813",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.kmghawaii.com/team-member/ben-fransen",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.kmghawaii.com/team-member/ben-fransen",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO117820",
        "status": "active",
        "issued_at": "2023-02-28",
        "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": "CA",
        "license_type": "state_license",
        "license_number": "CA-DFPI2004153",
        "status": "active",
        "issued_at": "2023-03-13",
        "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": "CO",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.kmghawaii.com/team-member/ben-fransen",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "HI",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.kmghawaii.com/team-member/ben-fransen",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "NV",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.kmghawaii.com/team-member/ben-fransen",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.kmghawaii.com/team-member/ben-fransen",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "VA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.kmghawaii.com/team-member/ben-fransen",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "WA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.kmghawaii.com/team-member/ben-fransen",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.55,
        "source": "lender_site",
        "source_url": "https://www.kmghawaii.com/team-member/ben-fransen",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "other",
        "value": "Five years as a Korean linguist in the U.S. Army, then twelve years investigating Korean War cold cases for the Defense POW/MIA Accounting Agency",
        "source": "lender_site",
        "source_url": "https://www.kmghawaii.com/team-member/ben-fransen",
        "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/benjamin-fransen-2004153#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://www.kmghawaii.com/team-member/ben-fransen",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2023-02-28",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2023,
      "state": "FL"
    },
    "federal_registration": null
  }
}