{
  "canonical_url": "https://lendb.ai/lo/kristopher-hartmann-2022670",
  "lede": {
    "text": "Based in Las Vegas, Nevada, Kristopher Hartmann (NMLS 2022670) is a Loan Officer at Ladera Lending, Inc., licensed in California since 2024. Kristopher works at an FHA-approved lender, per HUD.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Kristopher licensed in California?",
      "a": "Yes. California regulator records list license CA-DFPI2022670 as active, first effective June 10, 2024 (verified 2026-10-24).",
      "fields": [
        "licenses"
      ],
      "source": "California state regulator",
      "source_url": "https://dfpi.ca.gov/",
      "verified_at": "2026-10-24"
    },
    {
      "q": "What lender does Kristopher work for, and is it FHA-approved?",
      "a": "Ladera Lending, Inc., company NMLS 835555, from the Las Vegas, NV office, per the lender's own site (verified 2026-10-15). 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://laderalending.com/team-member/kristopher-hartmann/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Kristopher been licensed?",
      "a": "The earliest state license record LenDb holds for Kristopher is from June 10, 2024 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "California state regulator",
      "source_url": "https://dfpi.ca.gov/",
      "verified_at": "2026-10-24"
    }
  ],
  "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": 2022670,
    "slug": "kristopher-hartmann-2022670",
    "canonical_url": "https://lendb.ai/lo/kristopher-hartmann-2022670",
    "md_url": "https://lendb.ai/lo/kristopher-hartmann-2022670.md",
    "json_url": "https://lendb.ai/lo/kristopher-hartmann-2022670.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2022670",
    "full_name": {
      "value": "Kristopher Hartmann",
      "source": "lender_site",
      "source_url": "https://laderalending.com/team-member/kristopher-hartmann/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Kristopher",
    "last_name": "Hartmann",
    "licensed_names": [
      {
        "name": "Kristopher Hartmann",
        "name_with_middle_initial": "Kristopher M. Hartmann",
        "first_name": "Kristopher",
        "middle_initial": "M",
        "last_name": "Hartmann",
        "states": [
          "CA"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-22"
      }
    ],
    "headshot_url": {
      "value": "https://laderalending.com/clients/12240/uploads/2021/07/Kristopher-Hartmann.jpg",
      "source": "lender_site",
      "source_url": "https://laderalending.com/team-member/kristopher-hartmann/",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Kristopher Hartmann has worked in the mortgage industry since 2003. They say they have helped hundreds of families understand their home financing options. They were born and raised in Southern California.",
      "source": "lender_site",
      "source_url": "https://laderalending.com/team-member/kristopher-hartmann/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://laderalending.com/team-member/kristopher-hartmann/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://laderalending.com/team-member/kristopher-hartmann/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 835555,
      "lender_name": "Ladera Lending, Inc.",
      "lender_slug": "ladera-lending-inc-835555",
      "branch_city": "Las Vegas",
      "branch_state": "NV",
      "branch_zip": "89120",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://laderalending.com/team-member/kristopher-hartmann/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://laderalending.com/team-member/kristopher-hartmann/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 835555,
        "lender_name": "Ladera Lending, Inc.",
        "lender_slug": "ladera-lending-inc-835555",
        "branch_city": "Las Vegas",
        "branch_state": "NV",
        "branch_zip": "89120",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://laderalending.com/team-member/kristopher-hartmann/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://laderalending.com/team-member/kristopher-hartmann/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DFPI2022670",
        "status": "active",
        "issued_at": "2024-06-10",
        "source": "state_regulator",
        "source_url": "https://dfpi.ca.gov/",
        "verified_at": "2026-10-24",
        "confidence": "confirmed",
        "regulator": "ca_dfpi",
        "regulator_name": "California Department of Financial Protection and Innovation"
      }
    ],
    "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": [
      {
        "kind": "years_experience",
        "value": "since 2003",
        "source": "lender_site",
        "source_url": "https://laderalending.com/team-member/kristopher-hartmann/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-24",
    "updated_at": "2026-10-24 19:28:56.294761+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/kristopher-hartmann-2022670#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://laderalending.com/team-member/kristopher-hartmann/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2024-06-10",
      "state": "CA"
    },
    "licensed_since": {
      "year": 2024,
      "state": "CA"
    },
    "federal_registration": null
  }
}