--- canonical_url: https://lendb.ai/lo/kristin-johnson-840560 json_url: https://lendb.ai/lo/kristin-johnson-840560.json nmls_id: 840560 last_verified: 2026-10-26 --- # Kristin Johnson Loan Officer at Blue Water Mortgage, LLC. NMLS ID 840560 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/840560)). 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. **Summary:** Kristin Johnson (NMLS 840560) is Loan Officer at Blue Water Mortgage, LLC. Licensed in 2 states confirmed with state regulators: Florida and Massachusetts. Also lists Georgia, Maine, North Carolina, New Hampshire and South Carolina on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer and VA loan. Earliest state license record: January 16, 2020 (Florida), per state regulator. Last verified 2026-10-26. ## Quick answers ### Is Kristin licensed in Florida? 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. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ### Does Kristin list first-time buyer as a focus? Kristin's profile lists first-time buyer as a focus (from their lender profile page). It also lists VA loan. Source: https://bluewatermtg.com/our-team/kristin-johnson. ### What lender does Kristin work for? Blue Water Mortgage, LLC, company NMLS 1291, per the lender's own site (verified 2026-10-15). Source: https://bluewatermtg.com/our-team/kristin-johnson/. ### How long has Kristin been licensed? 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. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ## At a glance - Earliest state license record: January 16, 2020 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Also licensed as (state regulator records, same NMLS ID): Kristin J. Johnson (FL, MA, as of 2026-10-26) - Licensed in: Florida (FL, confirmed), Georgia (GA, lender_reported), Massachusetts (MA, confirmed), Maine (ME, lender_reported), North Carolina (NC, lender_reported), New Hampshire (NH, lender_reported), South Carolina (SC, 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 (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.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bluewatermtg.com/our-team/kristin-johnson - **VA loan** (`va`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bluewatermtg.com/our-team/kristin-johnson ## About 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: LenDb summary of the lender page, verified 2026-10-15. ## Facts from the lender page and intro - years_experience: since 2004. Source: https://bluewatermtg.com/our-team/kristin-johnson/, verified 2026-10-15. - role: First employee of Blue Water Mortgage. Source: https://bluewatermtg.com/our-team/kristin-johnson/, verified 2026-10-15. - role: Mortgage processor (early career). Source: https://bluewatermtg.com/our-team/kristin-johnson/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO67058 | active | confirmed | 2020-01-16 | state_regulator | 2026-10-15 | | GA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | MA | Massachusetts regulator | state_license | MLO840560 | active | confirmed | | state_regulator | 2026-10-26 | | ME | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | NC | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | NH | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | SC | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | ## Employment history - ? to present: Blue Water Mortgage, LLC (NMLS 1291). Source: https://bluewatermtg.com/our-team/kristin-johnson/, verified 2026-10-15. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/840560 ## Contact - linkedin_url: https://www.linkedin.com/in/kristin-reilly-johnson-24473495/ (source: lender_site, verified 2026-10-15) - View profile at Blue Water Mortgage, LLC: https://bluewatermtg.com/our-team/kristin-johnson/ - Office phone and Email on file: shown at https://lendb.ai/lo/kristin-johnson-840560#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/840560 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - lender_site: https://bluewatermtg.com/our-team/kristin-johnson/ - state_regulator: https://www.mass.gov/lists/download-a-list-of-approved-licensees - lender_site: https://bluewatermtg.com/our-team/kristin-johnson Cite as: Kristin Johnson (NMLS 840560), Blue Water Mortgage, LLC. LenDb.ai, https://lendb.ai/lo/kristin-johnson-840560, last verified 2026-10-26. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._