---
canonical_url: https://lendb.ai/lo/kimberly-rutherford-2065203
json_url: https://lendb.ai/lo/kimberly-rutherford-2065203.json
nmls_id: 2065203
last_verified: 2026-10-09
---

# Kimberly Rutherford

Mortgage Loan Officer at Loan Factory, San Jose, CA. NMLS ID 2065203 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2065203)).

**Summary:** Kimberly Rutherford (NMLS 2065203) is Mortgage Loan Officer at Loan Factory, based in San Jose, CA. Lists California on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: HELOC. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: California (CA, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **HELOC** (`heloc`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/kimberly-rutherford-2065203

## About

Bay Area mortgage specialist serving Sonoma, Marin, Napa, San Francisco, the Peninsula, and Silicon Valley. Kimberly provides strategic mortgage solutions with access to 231+ lenders, specializing in buy-before-you-sell financing, HELOCs, and home equity solutions.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- service_area: Sonoma, Marin, Napa, San Francisco, the Peninsula, and Silicon Valley. Source: https://www.loanfactory.com/mortgage-expert/kimberly-rutherford-2065203, verified 2026-10-09.
- other: Access to 231+ lenders. Source: https://www.loanfactory.com/mortgage-expert/kimberly-rutherford-2065203, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841), San Jose, CA. Source: https://www.loanfactory.com/mortgage-expert/kimberly-rutherford-2065203, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2065203

## Contact

- linkedin_url: https://www.linkedin.com/in/kimberly-rutherford-5754629/ (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/kimberly-rutherford-2065203

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2065203
- lender_site: https://www.loanfactory.com/mortgage-expert/kimberly-rutherford-2065203

Cite as: Kimberly Rutherford (NMLS 2065203), Loan Factory. LenDb.ai, https://lendb.ai/lo/kimberly-rutherford-2065203, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._