{
  "canonical_url": "https://lendb.ai/lo/christopher-cartwright-1035504",
  "lede": {
    "text": "Chris Cartwright (NMLS 1035504) is a Senior Mortgage Broker at Three Point Mortgage LLC, licensed in California since 2013 and in Florida, Texas and Colorado. Chris's lender page shows a focus on non-QM loan, self-employed and jumbo loan.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Chris licensed in Florida?",
      "a": "Yes. Florida regulator records list license LO116103 as active, first effective December 21, 2022 (verified 2026-10-15). LenDb has 5 other states on file for Chris.",
      "fields": [
        "licenses"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
      "verified_at": "2026-10-15"
    },
    {
      "q": "Does Chris do non-QM loans?",
      "a": "Chris's profile lists non-QM loan as a focus (from their lender profile page). It also lists self-employed, jumbo loan and DSCR loan.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://www.threepointmortgage.com/chris-cartwright",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Chris work for?",
      "a": "Three Point Mortgage LLC, company NMLS 2364254, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.threepointmortgage.com/chris-cartwright",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Chris been licensed?",
      "a": "The earliest state license record LenDb holds for Chris is from July 26, 2013 (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": 1035504,
    "slug": "christopher-cartwright-1035504",
    "canonical_url": "https://lendb.ai/lo/christopher-cartwright-1035504",
    "md_url": "https://lendb.ai/lo/christopher-cartwright-1035504.md",
    "json_url": "https://lendb.ai/lo/christopher-cartwright-1035504.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1035504",
    "full_name": {
      "value": "Chris Cartwright",
      "source": "state_regulator",
      "source_url": "https://www.threepointmortgage.com/chris-cartwright",
      "verified_at": "2026-10-15"
    },
    "first_name": "Chris",
    "last_name": "Cartwright",
    "licensed_names": [
      {
        "name": "Christopher Cartwright",
        "name_with_middle_initial": "Christopher J. Cartwright",
        "first_name": "Christopher",
        "middle_initial": "J",
        "last_name": "Cartwright",
        "states": [
          "CA",
          "CO",
          "FL",
          "TX"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-22"
      },
      {
        "name": "Christopher Cartwright",
        "name_with_middle_initial": null,
        "first_name": "Christopher",
        "middle_initial": null,
        "last_name": "Cartwright",
        "states": [
          "WI"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-21"
      }
    ],
    "headshot_url": {
      "value": "https://images.squarespace-cdn.com/content/v1/673cdd703c36ec6e0d4c0946/87687d7c-d33d-4f53-b173-33f7fd7e55af/carlyrobertsphotography-25.jpg",
      "source": "state_regulator",
      "source_url": "https://www.threepointmortgage.com/chris-cartwright",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Senior Mortgage Broker",
      "source": "state_regulator",
      "source_url": "https://www.threepointmortgage.com/chris-cartwright",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://www.threepointmortgage.com/chris-cartwright",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 2364254,
      "lender_name": "Three Point Mortgage LLC",
      "lender_slug": "three-point-mortgage-llc-2364254",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.threepointmortgage.com/chris-cartwright",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://www.threepointmortgage.com/chris-cartwright",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2364254,
        "lender_name": "Three Point Mortgage LLC",
        "lender_slug": "three-point-mortgage-llc-2364254",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.threepointmortgage.com/chris-cartwright",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://www.threepointmortgage.com/chris-cartwright",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO116103",
        "status": "active",
        "issued_at": "2022-12-21",
        "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": "2024-09-11",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      },
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": "100048889",
        "status": "active",
        "issued_at": "2014-02-12",
        "source": "state_regulator",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=144267&contact=272680",
        "verified_at": "2026-10-16",
        "confidence": "confirmed",
        "regulator": "co"
      },
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "1035504",
        "status": "inactive",
        "issued_at": "2013-08-22",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      },
      {
        "state": "AZ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/chris-cartwright",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DBO1035504",
        "status": "active",
        "issued_at": "2013-07-26",
        "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": "WA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/chris-cartwright",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "non-qm",
        "label": "Non-QM loan",
        "evidence": "lender_page_text",
        "confidence": 0.26,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/chris-cartwright",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "evidence": "lender_page_text",
        "confidence": 0.26,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/chris-cartwright",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.2,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/chris-cartwright",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "dscr",
        "label": "DSCR loan",
        "evidence": "lender_page_text",
        "confidence": 0.09,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/chris-cartwright",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.09,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/chris-cartwright",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.09,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/chris-cartwright",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.09,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/chris-cartwright",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "refinance",
        "label": "Refinance",
        "evidence": "lender_page_text",
        "confidence": 0.09,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/chris-cartwright",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.09,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/chris-cartwright",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "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/christopher-cartwright-1035504#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.threepointmortgage.com/chris-cartwright",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2013-07-26",
      "state": "CA"
    },
    "licensed_since": {
      "year": 2013,
      "state": "CA"
    },
    "federal_registration": null
  }
}