{
  "canonical_url": "https://lendb.ai/lo/loyd-nitzen-88665",
  "lede": {
    "text": "Loyd Nitzen (NMLS 88665) is a mortgage loan officer at Newrez, licensed in Iowa, Oregon and Delaware. Loyd works at an FHA-approved lender, per HUD.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment",
      "licenses",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Loyd licensed in Iowa?",
      "a": "Yes. Iowa regulator records list license 27494 as active, first effective September 26, 2016 (verified 2026-10-20). LenDb has 2 other states on file for Loyd.",
      "fields": [
        "licenses"
      ],
      "source": "Iowa state regulator",
      "source_url": "https://idob.iowa.gov/",
      "verified_at": "2026-10-20"
    },
    {
      "q": "What lender does Loyd work for, and is it FHA-approved?",
      "a": "Newrez, company NMLS 3013, per the lender's own site (verified 2026-10-20). 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://dfr.oregon.gov/",
      "verified_at": "2026-10-20"
    },
    {
      "q": "How long has Loyd been licensed?",
      "a": "The earliest state license record LenDb holds for Loyd is from July 20, 2011 (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": 88665,
    "slug": "loyd-nitzen-88665",
    "canonical_url": "https://lendb.ai/lo/loyd-nitzen-88665",
    "md_url": "https://lendb.ai/lo/loyd-nitzen-88665.md",
    "json_url": "https://lendb.ai/lo/loyd-nitzen-88665.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/88665",
    "full_name": {
      "value": "Loyd Nitzen",
      "source": "state_regulator",
      "source_url": "https://dfr.oregon.gov/",
      "verified_at": "2026-10-20"
    },
    "first_name": "Loyd",
    "last_name": "Nitzen",
    "licensed_names": [
      {
        "name": "Loyd Nitzen",
        "name_with_middle_initial": "Loyd T. Nitzen",
        "first_name": "Loyd",
        "middle_initial": "T",
        "last_name": "Nitzen",
        "states": [
          "CA",
          "DE",
          "IA",
          "OR"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-30"
      }
    ],
    "headshot_url": null,
    "bio": null,
    "title": null,
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://dfr.oregon.gov/",
      "verified_at": "2026-10-20"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 0,
    "current_employment": {
      "lender_nmls_id": 3013,
      "lender_name": "Newrez",
      "lender_slug": "newrez-3013",
      "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://dfr.oregon.gov/",
      "verified_at": "2026-10-20"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3013,
        "lender_name": "Newrez",
        "lender_slug": "newrez-3013",
        "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://dfr.oregon.gov/",
        "verified_at": "2026-10-20"
      },
      {
        "lender_nmls_id": 1566096,
        "lender_name": "West Capital Lending, Inc.",
        "lender_slug": "west-capital-lending-inc-1566096",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": null,
        "lender_type": "other",
        "source": "state_regulator",
        "source_url": "https://idob.iowa.gov/",
        "verified_at": "2026-10-20"
      }
    ],
    "licenses": [
      {
        "state": "IA",
        "license_type": "state_license",
        "license_number": "27494",
        "status": "active",
        "issued_at": "2016-09-26",
        "source": "state_regulator",
        "source_url": "https://idob.iowa.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ia"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2016-11-07",
        "source": "state_regulator",
        "source_url": "https://dfr.oregon.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "or"
      },
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "88665",
        "status": "expired",
        "issued_at": "2017-09-21",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DOC88665",
        "status": "inactive",
        "issued_at": "2011-07-20",
        "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"
      },
      {
        "state": "DE",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/",
        "verified_at": "2026-10-30",
        "confidence": "confirmed",
        "regulator": "de"
      }
    ],
    "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": "2026-10-30",
    "updated_at": "2026-10-30 15:38:22.768754+00",
    "disciplinary_check": "not_checked",
    "gated_contact": null,
    "earliest_license_record": {
      "date": "2011-07-20",
      "state": "CA"
    },
    "licensed_since": {
      "year": 2011,
      "state": "CA"
    },
    "federal_registration": null
  }
}