{
  "canonical_url": "https://lendb.ai/lo/david-young-62043",
  "lede": {
    "text": "David Young, NMLS 62043, works as a mortgage loan officer at Lendwise Mortgage, Inc. in Woodland Hills, California and is licensed in Florida since 2025 and in Texas and California. David's lender page shows a focus on FHA loan, jumbo loan and real estate investor, and David works at an FHA-approved lender, per HUD.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "specialties",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is David licensed in California?",
      "a": "Yes. California regulator records list license 01371572 as active (verified 2026-10-24). LenDb has 4 other states on file for David.",
      "fields": [
        "licenses"
      ],
      "source": "California state regulator",
      "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html",
      "verified_at": "2026-10-24"
    },
    {
      "q": "Does David do FHA loans?",
      "a": "David's profile lists FHA loan as a focus (from their lender profile page). It also lists jumbo loan, real estate investor and self-employed.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://lendwisemtg.com/loan-officers/david-young",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does David work for, and is it FHA-approved?",
      "a": "Lendwise Mortgage, Inc., company NMLS 2702455, from the Woodland Hills, CA office, per the lender's own site (verified 2026-10-26). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026).",
      "fields": [
        "current_employment",
        "employer_program_approvals"
      ],
      "source": "lender site; HUD",
      "source_url": "https://lendwisemtg.com/loan-officers/david-young",
      "verified_at": "2026-10-26"
    },
    {
      "q": "How long has David been licensed?",
      "a": "The earliest state license record LenDb holds for David is from July 16, 2025 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. David states 24 years of experience.",
      "fields": [
        "earliest_license_record",
        "years_experience"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_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": 62043,
    "slug": "david-young-62043",
    "canonical_url": "https://lendb.ai/lo/david-young-62043",
    "md_url": "https://lendb.ai/lo/david-young-62043.md",
    "json_url": "https://lendb.ai/lo/david-young-62043.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/62043",
    "full_name": {
      "value": "David Young",
      "source": "state_regulator",
      "source_url": "https://lendwisemtg.com/loan-officers/david-young",
      "verified_at": "2026-10-26"
    },
    "first_name": "David",
    "last_name": "Young",
    "licensed_names": [
      {
        "name": "David Young",
        "name_with_middle_initial": "David J. Young",
        "first_name": "David",
        "middle_initial": "J",
        "last_name": "Young",
        "states": [
          "CA",
          "FL",
          "NY",
          "TX"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-15"
      }
    ],
    "headshot_url": {
      "value": "https://tpwubhqakasyvijikbmv.supabase.co/storage/v1/object/public/profile-images/c3d25754-e3f2-4575-bc8c-63248f8b9697/facial_1771079757312.jpg",
      "source": "state_regulator",
      "source_url": "https://lendwisemtg.com/loan-officers/david-young",
      "verified_at": "2026-10-26"
    },
    "bio": null,
    "title": {
      "value": "CMO / Business Development & Strategic Growth",
      "source": "state_regulator",
      "source_url": "https://lendwisemtg.com/loan-officers/david-young",
      "verified_at": "2026-10-26"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://lendwisemtg.com/loan-officers/david-young",
      "verified_at": "2026-10-26"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 24,
      "source": "lender_site",
      "source_url": "https://lendwisemtg.com/loan-officers/david-young",
      "verified_at": "2026-10-26"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 2702455,
      "lender_name": "Lendwise Mortgage, Inc.",
      "lender_slug": "lendwise-mortgage-inc-2702455",
      "branch_city": "Woodland Hills",
      "branch_state": "CA",
      "branch_zip": "91367",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://lendwisemtg.com/loan-officers/david-young",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://lendwisemtg.com/loan-officers/david-young",
      "verified_at": "2026-10-26"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2702455,
        "lender_name": "Lendwise Mortgage, Inc.",
        "lender_slug": "lendwise-mortgage-inc-2702455",
        "branch_city": "Woodland Hills",
        "branch_state": "CA",
        "branch_zip": "91367",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://lendwisemtg.com/loan-officers/david-young",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://lendwisemtg.com/loan-officers/david-young",
        "verified_at": "2026-10-26"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO139680",
        "status": "active",
        "issued_at": "2025-07-16",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2025-11-20",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      },
      {
        "state": "NY",
        "license_type": "state_license",
        "license_number": null,
        "status": "expired",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.dfs.ny.gov/",
        "verified_at": "2026-10-14",
        "confidence": "confirmed",
        "regulator": "ny"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "01371572",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html",
        "verified_at": "2026-10-24",
        "confidence": "confirmed",
        "regulator": "ca_dre",
        "regulator_name": "California Department of Real Estate"
      },
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/david-young",
        "verified_at": "2026-10-26",
        "confidence": "lender_reported"
      },
      {
        "state": "PA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/david-young",
        "verified_at": "2026-10-26",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/david-young",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/david-young",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/david-young",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/david-young",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/david-young",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "dscr",
        "label": "DSCR loan",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/david-young",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/david-young",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "itin",
        "label": "ITIN borrower",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/david-young",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "non-qm",
        "label": "Non-QM loan",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/david-young",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/david-young",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "24",
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/david-young",
        "verified_at": "2026-10-26"
      },
      {
        "kind": "years_experience",
        "value": "since 2002",
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/david-young",
        "verified_at": "2026-10-26"
      },
      {
        "kind": "other",
        "value": "started in mortgage during senior year of high school",
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/david-young",
        "verified_at": "2026-10-26"
      },
      {
        "kind": "service_area",
        "value": "Southern California (home base)",
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/david-young",
        "verified_at": "2026-10-26"
      }
    ],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-26 11:26:45.019665+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/david-young-62043#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://lendwisemtg.com/loan-officers/david-young",
      "verified_at": "2026-10-26"
    },
    "earliest_license_record": {
      "date": "2025-07-16",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2025,
      "state": "FL"
    },
    "federal_registration": null
  }
}