--- canonical_url: https://lendb.ai/lo/kristina-hayes-1057175 json_url: https://lendb.ai/lo/kristina-hayes-1057175.json nmls_id: 1057175 last_verified: 2026-10-09 --- # Kristina Hayes Loan Officer at Churchill Mortgage, Irvine, CA. NMLS ID 1057175 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1057175)). **Summary:** Kristina Hayes (NMLS 1057175) is Loan Officer at Churchill Mortgage, based in Irvine, CA. Licensed in 3 states confirmed with state regulators: Florida, Colorado and Pennsylvania. Also lists Alabama, Arkansas, Arizona, California, Connecticut, Georgia, Iowa, Idaho and 13 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan, Non-QM loan and VA loan. Licensed since 2013 (per Colorado records). States 35 years of experience. Last verified 2026-10-09. ## At a glance - Licensed since 2013 (per Colorado records). This is license history on file, not total experience. - Years experience (stated by the LO): 35 (source: https://www.churchillmortgage.com/loan-officers/kristina-hayes, verified 2026-10-09) - Licensed in: Florida (FL, confirmed), Colorado (CO, confirmed), Pennsylvania (PA, confirmed), Alabama (AL, lender_reported), Arkansas (AR, lender_reported), Arizona (AZ, lender_reported), California (CA, lender_reported), Connecticut (CT, lender_reported), Georgia (GA, lender_reported), Iowa (IA, lender_reported), Idaho (ID, lender_reported), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Kentucky (KY, lender_reported), Massachusetts (MA, lender_reported), Maryland (MD, lender_reported), Michigan (MI, lender_reported), Minnesota (MN, lender_reported), North Carolina (NC, lender_reported), North Dakota (ND, lender_reported), Oregon (OR, lender_reported), Tennessee (TN, lender_reported), Virginia (VA, lender_reported), Washington (WA, 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 - **FHA loan** (`fha`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.churchillmortgage.com/loan-officers/kristina-hayes - **Non-QM loan** (`non-qm`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.churchillmortgage.com/loan-officers/kristina-hayes - **VA loan** (`va`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.churchillmortgage.com/loan-officers/kristina-hayes ## About Over 35 years in the lending industry, licensed in 24 states with expertise in Conventional, FHA, VA and Non-QM loan programs. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: 35. Source: https://www.churchillmortgage.com/loan-officers/kristina-hayes, verified 2026-10-09. - credential: Licensed in 24 states. Source: https://www.churchillmortgage.com/loan-officers/kristina-hayes, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO23332 | active | confirmed | 2014-02-04 | state_regulator | 2026-10-09 | | CO | state_license | 100046512 | active | confirmed | 2013-09-12 | state_regulator | 2026-10-10 | | PA | state_license | 70517 | active | confirmed | | state_regulator | 2026-10-10 | | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | AR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CT | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | ID | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | KY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | ND | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: Churchill Mortgage (NMLS 1591), Irvine, CA. Source: https://www.churchillmortgage.com/loan-officers/kristina-hayes, 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/1057175 ## Contact - View profile at Churchill Mortgage: https://www.churchillmortgage.com/loan-officers/kristina-hayes - Office phone and Email on file: shown at https://lendb.ai/lo/kristina-hayes-1057175#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1057175 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=143970&contact=267850 - state_regulator: https://data.pa.gov/d/tyxc-jyug - lender_site: https://www.churchillmortgage.com/loan-officers/kristina-hayes Cite as: Kristina Hayes (NMLS 1057175), Churchill Mortgage. LenDb.ai, https://lendb.ai/lo/kristina-hayes-1057175, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._