{
  "canonical_url": "https://lendb.ai/lo/kay-kaup-473254",
  "lede": {
    "text": "Based in Hoven, South Dakota, Kay Kaup (NMLS 473254) is a Market President at Plains Commerce Bank.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Kay licensed?",
      "a": "Kay works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access.",
      "fields": [
        "federal_registration",
        "current_employment"
      ],
      "source": "employer type in LenDb's lender registry",
      "source_url": null,
      "verified_at": "2026-10-16"
    },
    {
      "q": "What lender does Kay work for?",
      "a": "Plains Commerce Bank, company NMLS 463950, from the Hoven, SD office, per the lender's own site (verified 2026-10-16).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.plainscommerce.com/community-banking/our-people/kay-kaup",
      "verified_at": "2026-10-16"
    },
    {
      "q": "How much experience does Kay have?",
      "a": "Kay states 20 years of experience.",
      "fields": [
        "years_experience"
      ],
      "source": "the loan officer's own statement",
      "source_url": "https://www.plainscommerce.com/community-banking/our-people/kay-kaup",
      "verified_at": "2026-10-16"
    }
  ],
  "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": 473254,
    "slug": "kay-kaup-473254",
    "canonical_url": "https://lendb.ai/lo/kay-kaup-473254",
    "md_url": "https://lendb.ai/lo/kay-kaup-473254.md",
    "json_url": "https://lendb.ai/lo/kay-kaup-473254.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/473254",
    "full_name": {
      "value": "Kay Kaup",
      "source": "lender_site",
      "source_url": "https://www.plainscommerce.com/community-banking/our-people/kay-kaup",
      "verified_at": "2026-10-16"
    },
    "first_name": "Kay",
    "last_name": "Kaup",
    "headshot_url": {
      "value": "https://www.plainscommerce.com/assets/general-uploads/_213x213_crop_top-center_none/Kay-Kaup-2018-Web.jpg",
      "source": "lender_site",
      "source_url": "https://www.plainscommerce.com/community-banking/our-people/kay-kaup",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Kay Kaup is the Market President in Hoven, SD. They have served farmers and ranchers in Northeastern South Dakota for the past two decades. Their page says they do ag lending as well as commercial and consumer lending.",
      "source": "lender_site",
      "source_url": "https://www.plainscommerce.com/community-banking/our-people/kay-kaup",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Market President",
      "source": "lender_site",
      "source_url": "https://www.plainscommerce.com/community-banking/our-people/kay-kaup",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.plainscommerce.com/community-banking/our-people/kay-kaup",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 20,
      "source": "lender_site",
      "source_url": "https://www.plainscommerce.com/community-banking/our-people/kay-kaup",
      "verified_at": "2026-10-16"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 463950,
      "lender_name": "Plains Commerce Bank",
      "lender_slug": "plains-commerce-bank-463950",
      "branch_city": "Hoven",
      "branch_state": "SD",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.plainscommerce.com/community-banking/our-people/kay-kaup",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.plainscommerce.com/community-banking/our-people/kay-kaup",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 463950,
        "lender_name": "Plains Commerce Bank",
        "lender_slug": "plains-commerce-bank-463950",
        "branch_city": "Hoven",
        "branch_state": "SD",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.plainscommerce.com/community-banking/our-people/kay-kaup",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.plainscommerce.com/community-banking/our-people/kay-kaup",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "20",
        "source": "lender_site",
        "source_url": "https://www.plainscommerce.com/community-banking/our-people/kay-kaup",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "service_area",
        "value": "Northeastern South Dakota",
        "source": "lender_site",
        "source_url": "https://www.plainscommerce.com/community-banking/our-people/kay-kaup",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 06:07:58.78581+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/kay-kaup-473254#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.plainscommerce.com/community-banking/our-people/kay-kaup",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}