{
  "canonical_url": "https://lendb.ai/lo/javier-bencomo-2779652",
  "lede": {
    "text": "Javier Bencomo (NMLS 2779652) is an IGNITE Loan Officer at INDEPENDENCE HOME LOANS LLC, licensed in California since 2026. Javier's own profile lists first-time buyer as a focus.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Javier licensed in California?",
      "a": "Yes. California regulator records list license CA-DFPI2779652 as active, first effective May 15, 2026 (verified 2026-10-24).",
      "fields": [
        "licenses"
      ],
      "source": "California state regulator",
      "source_url": "https://dfpi.ca.gov/",
      "verified_at": "2026-10-24"
    },
    {
      "q": "Does Javier list first-time buyer as a focus?",
      "a": "Javier's profile lists first-time buyer as a focus (from their lender profile page).",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://independencehl.com/javier-bencomo/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Javier work for?",
      "a": "INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://independencehl.com/javier-bencomo/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Javier been licensed?",
      "a": "The earliest state license record LenDb holds for Javier is from May 15, 2026 (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": 2779652,
    "slug": "javier-bencomo-2779652",
    "canonical_url": "https://lendb.ai/lo/javier-bencomo-2779652",
    "md_url": "https://lendb.ai/lo/javier-bencomo-2779652.md",
    "json_url": "https://lendb.ai/lo/javier-bencomo-2779652.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2779652",
    "full_name": {
      "value": "Javier Bencomo",
      "source": "lender_site",
      "source_url": "https://independencehl.com/javier-bencomo/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Javier",
    "last_name": "Bencomo",
    "headshot_url": {
      "value": "https://independencehl.com/wp-content/uploads/2026/04/JavierBencomoWebsite-350x350.png",
      "source": "lender_site",
      "source_url": "https://independencehl.com/javier-bencomo/",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "IGNITE Loan Officer",
      "source": "lender_site",
      "source_url": "https://independencehl.com/javier-bencomo/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://independencehl.com/javier-bencomo/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 2524174,
      "lender_name": "INDEPENDENCE HOME LOANS LLC",
      "lender_slug": "independence-home-loans-llc-2524174",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://independencehl.com/javier-bencomo/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://independencehl.com/javier-bencomo/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2524174,
        "lender_name": "INDEPENDENCE HOME LOANS LLC",
        "lender_slug": "independence-home-loans-llc-2524174",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://independencehl.com/javier-bencomo/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://independencehl.com/javier-bencomo/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DFPI2779652",
        "status": "active",
        "issued_at": "2026-05-15",
        "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": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://independencehl.com/javier-bencomo/",
        "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/javier-bencomo-2779652#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://independencehl.com/javier-bencomo/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2026-05-15",
      "state": "CA"
    },
    "licensed_since": {
      "year": 2026,
      "state": "CA"
    },
    "federal_registration": null
  }
}