{
  "canonical_url": "https://lendb.ai/lo/kamal-osmanzada-2603659",
  "lede": {
    "text": "Kamal Osmanzada (NMLS 2603659) is a mortgage loan officer at Lumin Lending Inc., licensed in Oregon and Wyoming.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment",
      "licenses"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Kamal licensed in Oregon?",
      "a": "Yes. Oregon regulator records list a license as active, first effective February 24, 2025 (verified 2026-10-20). LenDb has 1 other state on file for Kamal.",
      "fields": [
        "licenses"
      ],
      "source": "Oregon state regulator",
      "source_url": "https://dfr.oregon.gov/",
      "verified_at": "2026-10-20"
    },
    {
      "q": "What lender does Kamal work for?",
      "a": "Lumin Lending Inc., company NMLS 2716106, per the lender's own site (verified 2026-10-27).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://wyomingbankingdivision.wyo.gov/",
      "verified_at": "2026-10-27"
    },
    {
      "q": "How long has Kamal been licensed?",
      "a": "The earliest state license record LenDb holds for Kamal is from August 6, 2024 (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": 2603659,
    "slug": "kamal-osmanzada-2603659",
    "canonical_url": "https://lendb.ai/lo/kamal-osmanzada-2603659",
    "md_url": "https://lendb.ai/lo/kamal-osmanzada-2603659.md",
    "json_url": "https://lendb.ai/lo/kamal-osmanzada-2603659.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2603659",
    "full_name": {
      "value": "Kamal Osmanzada",
      "source": "state_regulator",
      "source_url": "https://wyomingbankingdivision.wyo.gov/",
      "verified_at": "2026-10-27"
    },
    "first_name": "Kamal",
    "last_name": "Osmanzada",
    "headshot_url": null,
    "bio": null,
    "title": null,
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://wyomingbankingdivision.wyo.gov/",
      "verified_at": "2026-10-27"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 0,
    "current_employment": {
      "lender_nmls_id": 2716106,
      "lender_name": "Lumin Lending Inc.",
      "lender_slug": "lumin-lending-inc-2716106",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": null,
      "lender_type": "other",
      "source": "state_regulator",
      "source_url": "https://wyomingbankingdivision.wyo.gov/",
      "verified_at": "2026-10-27"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2716106,
        "lender_name": "Lumin Lending Inc.",
        "lender_slug": "lumin-lending-inc-2716106",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": null,
        "lender_type": "other",
        "source": "state_regulator",
        "source_url": "https://wyomingbankingdivision.wyo.gov/",
        "verified_at": "2026-10-27"
      },
      {
        "lender_nmls_id": 1566096,
        "lender_name": "West Capital Lending, Inc.",
        "lender_slug": "west-capital-lending-inc-1566096",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": null,
        "lender_type": "other",
        "source": "state_regulator",
        "source_url": "https://dfr.oregon.gov/",
        "verified_at": "2026-10-20"
      }
    ],
    "licenses": [
      {
        "state": "AR",
        "license_type": "state_license",
        "license_number": null,
        "status": "inactive",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://securities.arkansas.gov/loans/nmls/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ar"
      },
      {
        "state": "IA",
        "license_type": "state_license",
        "license_number": "54886",
        "status": "inactive",
        "issued_at": "2025-07-21",
        "source": "state_regulator",
        "source_url": "https://idob.iowa.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ia"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2025-02-24",
        "source": "state_regulator",
        "source_url": "https://dfr.oregon.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "or"
      },
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "2603659",
        "status": "inactive",
        "issued_at": "2025-07-24",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DFPI2603659",
        "status": "inactive",
        "issued_at": "2024-08-06",
        "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": "WY",
        "license_type": "state_license",
        "license_number": "108945",
        "status": "active",
        "issued_at": "2025-07-31",
        "source": "state_regulator",
        "source_url": "https://wyomingbankingdivision.wyo.gov/",
        "verified_at": "2026-10-27",
        "confidence": "confirmed",
        "regulator": "wy"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-27",
    "updated_at": "2026-10-27 17:34:27.627411+00",
    "disciplinary_check": "not_checked",
    "gated_contact": null,
    "earliest_license_record": {
      "date": "2024-08-06",
      "state": "CA"
    },
    "licensed_since": {
      "year": 2024,
      "state": "CA"
    },
    "federal_registration": null
  }
}