{
  "canonical_url": "https://lendb.ai/lo/joel-maloney-275663",
  "lede": {
    "text": "Joel Maloney (NMLS 275663) is a Loan Officer at Lendwise Mortgage, Inc. in Woodland Hills, California, licensed in California. Joel's own profile lists reverse mortgage as a focus, and Joel works at an FHA-approved lender, per HUD.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "specialties",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Joel licensed in California?",
      "a": "Yes. California regulator records list license 00887470 as active (verified 2026-10-24).",
      "fields": [
        "licenses"
      ],
      "source": "California state regulator",
      "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html",
      "verified_at": "2026-10-24"
    },
    {
      "q": "Does Joel do reverse mortgages?",
      "a": "Joel's profile lists reverse mortgage as a focus (from their lender profile page).",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Joel 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/joel-maloney",
      "verified_at": "2026-10-26"
    }
  ],
  "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": 275663,
    "slug": "joel-maloney-275663",
    "canonical_url": "https://lendb.ai/lo/joel-maloney-275663",
    "md_url": "https://lendb.ai/lo/joel-maloney-275663.md",
    "json_url": "https://lendb.ai/lo/joel-maloney-275663.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/275663",
    "full_name": {
      "value": "Joel Maloney",
      "source": "state_regulator",
      "source_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
      "verified_at": "2026-10-26"
    },
    "first_name": "Joel",
    "last_name": "Maloney",
    "licensed_names": [
      {
        "name": "Joel Maloney",
        "name_with_middle_initial": "Joel A. Maloney",
        "first_name": "Joel",
        "middle_initial": "A",
        "last_name": "Maloney",
        "states": [
          "CA"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-15"
      }
    ],
    "headshot_url": {
      "value": "https://tpwubhqakasyvijikbmv.supabase.co/storage/v1/object/public/profile-images/3f50ea83-2503-4182-954e-eedc12d4f4d3/facial_1784075547163.jpg",
      "source": "state_regulator",
      "source_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
      "verified_at": "2026-10-26"
    },
    "bio": {
      "value": "Joel Maloney is a Loan Officer with over 45 years of experience originating residential and commercial loans. Most of their career has involved Santa Barbara County, and they are licensed to lend throughout California. They say they specialize in zero point residential mortgage loans and have expanded into reverse mortgage origination.",
      "source": "state_regulator",
      "source_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
      "verified_at": "2026-10-26"
    },
    "title": {
      "value": "Loan Officer",
      "source": "state_regulator",
      "source_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
      "verified_at": "2026-10-26"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
      "verified_at": "2026-10-26"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "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/joel-maloney",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
      "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/joel-maloney",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
        "verified_at": "2026-10-26"
      }
    ],
    "licenses": [
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "00887470",
        "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"
      }
    ],
    "specialties": [
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
        "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": "over 45",
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
        "verified_at": "2026-10-26"
      },
      {
        "kind": "service_area",
        "value": "Santa Barbara County",
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
        "verified_at": "2026-10-26"
      },
      {
        "kind": "service_area",
        "value": "San Diego, San Luis Obispo and San Francisco",
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
        "verified_at": "2026-10-26"
      },
      {
        "kind": "education",
        "value": "University of California, Santa Barbara; major in Political Science, minor in Economics",
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
        "verified_at": "2026-10-26"
      },
      {
        "kind": "education",
        "value": "Two years of legal education after undergraduate studies",
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/joel-maloney",
        "verified_at": "2026-10-26"
      }
    ],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-26 11:28:05.139866+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/joel-maloney-275663#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/joel-maloney",
      "verified_at": "2026-10-26"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}