{
  "canonical_url": "https://lendb.ai/lo/kristin-rajter-1606229",
  "lede": {
    "text": "Kristin Rajter (NMLS 1606229) is a mortgage loan officer at Guaranteed Rate (Rate), licensed in Florida since 2025 and in Texas and Connecticut. Kristin works at an FHA-approved lender, per HUD.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Kristin licensed in Florida?",
      "a": "Yes. Florida regulator records list license LO143308 as active, first effective December 8, 2025 (verified 2026-10-15). LenDb has 2 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": "What lender does Kristin work for, and is it FHA-approved?",
      "a": "Guaranteed Rate (Rate), company NMLS 2611, per the lender's own site (verified 2026-10-13). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026).",
      "fields": [
        "current_employment",
        "employer_program_approvals"
      ],
      "source": "lender site; HUD",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    {
      "q": "How long has Kristin been licensed?",
      "a": "The earliest state license record LenDb holds for Kristin is from December 8, 2025 (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"
    }
  ],
  "loan_officer": {
    "nmls_id": 1606229,
    "slug": "kristin-rajter-1606229",
    "canonical_url": "https://lendb.ai/lo/kristin-rajter-1606229",
    "md_url": "https://lendb.ai/lo/kristin-rajter-1606229.md",
    "json_url": "https://lendb.ai/lo/kristin-rajter-1606229.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1606229",
    "full_name": {
      "value": "Kristin Rajter",
      "source": "state_regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    "first_name": "Kristin",
    "last_name": "Rajter",
    "headshot_url": null,
    "bio": null,
    "title": null,
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 0,
    "current_employment": {
      "lender_nmls_id": 2611,
      "lender_name": "Guaranteed Rate (Rate)",
      "lender_slug": "guaranteed-rate-2611",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": null,
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2611,
        "lender_name": "Guaranteed Rate (Rate)",
        "lender_slug": "guaranteed-rate-2611",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": null,
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO143308",
        "status": "active",
        "issued_at": "2025-12-08",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2026-01-28",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed"
      },
      {
        "state": "CT",
        "license_type": "state_license",
        "license_number": "LO-1606229",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut",
        "verified_at": "2026-10-15",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 17:38:44.664792+00",
    "disciplinary_check": "not_checked",
    "gated_contact": null,
    "earliest_license_record": {
      "date": "2025-12-08",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2025,
      "state": "FL"
    },
    "federal_registration": null
  }
}