{
  "canonical_url": "https://lendb.ai/lo/kristin-johnson-840560",
  "lede": {
    "text": "Kristin Johnson (NMLS 840560) is a Loan Officer at Blue Water Mortgage, LLC, licensed in Florida since 2020 and in Massachusetts. Kristin's focus, from their own profile, includes first-time buyer and VA loan.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Kristin licensed in Florida?",
      "a": "Yes. Florida regulator records list license LO67058 as active, first effective January 16, 2020 (verified 2026-10-15). LenDb has 6 other states on file for Kristin.",
      "fields": [
        "licenses"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
      "verified_at": "2026-10-15"
    },
    {
      "q": "Does Kristin list first-time buyer as a focus?",
      "a": "Kristin's profile lists first-time buyer as a focus (from their lender profile page). It also lists VA loan.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://bluewatermtg.com/our-team/kristin-johnson",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Kristin work for?",
      "a": "Blue Water Mortgage, LLC, company NMLS 1291, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://bluewatermtg.com/our-team/kristin-johnson/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Kristin been licensed?",
      "a": "The earliest state license record LenDb holds for Kristin is from January 16, 2020 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
      "verified_at": "2026-10-15"
    }
  ],
  "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": 840560,
    "slug": "kristin-johnson-840560",
    "canonical_url": "https://lendb.ai/lo/kristin-johnson-840560",
    "md_url": "https://lendb.ai/lo/kristin-johnson-840560.md",
    "json_url": "https://lendb.ai/lo/kristin-johnson-840560.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/840560",
    "full_name": {
      "value": "Kristin Johnson",
      "source": "lender_site",
      "source_url": "https://bluewatermtg.com/our-team/kristin-johnson/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Kristin",
    "last_name": "Johnson",
    "licensed_names": [
      {
        "name": "Kristin Johnson",
        "name_with_middle_initial": "Kristin J. Johnson",
        "first_name": "Kristin",
        "middle_initial": "J",
        "last_name": "Johnson",
        "states": [
          "FL",
          "MA"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-26"
      }
    ],
    "headshot_url": null,
    "bio": {
      "value": "Kristin Johnson is a Loan Officer licensed in FL, GA, MA, ME, NC, NH and SC. They have been with Blue Water Mortgage since 2004 and started there as its first employee. They say they have a particular passion for veterans and first-time buyers, and they enjoy pickleball.",
      "source": "lender_site",
      "source_url": "https://bluewatermtg.com/our-team/kristin-johnson/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://bluewatermtg.com/our-team/kristin-johnson/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://bluewatermtg.com/our-team/kristin-johnson/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 1291,
      "lender_name": "Blue Water Mortgage, LLC",
      "lender_slug": "blue-water-mortgage-llc-1291",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://bluewatermtg.com/our-team/kristin-johnson/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://bluewatermtg.com/our-team/kristin-johnson/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1291,
        "lender_name": "Blue Water Mortgage, LLC",
        "lender_slug": "blue-water-mortgage-llc-1291",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://bluewatermtg.com/our-team/kristin-johnson/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/kristin-johnson/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO67058",
        "status": "active",
        "issued_at": "2020-01-16",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "GA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/kristin-johnson/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "MA",
        "license_type": "state_license",
        "license_number": "MLO840560",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees",
        "verified_at": "2026-10-26",
        "confidence": "confirmed",
        "regulator": "ma"
      },
      {
        "state": "ME",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/kristin-johnson/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "NC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/kristin-johnson/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "NH",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/kristin-johnson/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "SC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/kristin-johnson/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/kristin-johnson",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/kristin-johnson",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/kristin-reilly-johnson-24473495/",
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/kristin-johnson/",
        "verified_at": "2026-10-15"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 2004",
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/kristin-johnson/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "role",
        "value": "First employee of Blue Water Mortgage",
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/kristin-johnson/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "role",
        "value": "Mortgage processor (early career)",
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/kristin-johnson/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-26 16:15:12.471355+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/kristin-johnson-840560#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://bluewatermtg.com/our-team/kristin-johnson/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2020-01-16",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2020,
      "state": "FL"
    },
    "federal_registration": null
  }
}