{
  "canonical_url": "https://lendb.ai/lo/michelle-paxton-831343",
  "lede": {
    "text": "Michelle Paxton (NMLS 831343) is a Residential Loan Officer at Banner Bank in Folsom, California, licensed in California since 2015.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Michelle licensed in California?",
      "a": "Yes. California regulator records list license CA-DBO831343 as active, first effective November 4, 2015 (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 Michelle work for?",
      "a": "Banner Bank, company NMLS 439266, from the Folsom, CA office, per the lender's own site (verified 2026-10-16).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton",
      "verified_at": "2026-10-16"
    },
    {
      "q": "How long has Michelle been licensed?",
      "a": "The earliest state license record LenDb holds for Michelle is from November 4, 2015 (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": 831343,
    "slug": "michelle-paxton-831343",
    "canonical_url": "https://lendb.ai/lo/michelle-paxton-831343",
    "md_url": "https://lendb.ai/lo/michelle-paxton-831343.md",
    "json_url": "https://lendb.ai/lo/michelle-paxton-831343.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/831343",
    "full_name": {
      "value": "Michelle Paxton",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton",
      "verified_at": "2026-10-16"
    },
    "first_name": "Michelle",
    "last_name": "Paxton",
    "licensed_names": [
      {
        "name": "Michelle Paxton",
        "name_with_middle_initial": "Michelle A. Paxton",
        "first_name": "Michelle",
        "middle_initial": "A",
        "last_name": "Paxton",
        "states": [
          "CA"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-22"
      }
    ],
    "headshot_url": {
      "value": "https://a.mktgcdn.com/p/as4cyXQoj4MB0rs8hLbqecjKd5HBcc9vieWQHeC6euM/304x375.jpg",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Michelle Paxton has helped people with their lending goals since 2001. They host homebuyer seminars throughout the Sacramento area and teach financial education. Outside of work they enjoy water skiing and snow skiing.",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Residential Loan Officer",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 439266,
      "lender_name": "Banner Bank",
      "lender_slug": "banner-bank-439266",
      "branch_city": "Folsom",
      "branch_state": "CA",
      "branch_zip": "95630",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 439266,
        "lender_name": "Banner Bank",
        "lender_slug": "banner-bank-439266",
        "branch_city": "Folsom",
        "branch_state": "CA",
        "branch_zip": "95630",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DBO831343",
        "status": "active",
        "issued_at": "2015-11-04",
        "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": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 2001",
        "source": "lender_site",
        "source_url": "https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "service_area",
        "value": "Sacramento area",
        "source": "lender_site",
        "source_url": "https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "community",
        "value": "Teaches financial education",
        "source": "lender_site",
        "source_url": "https://loanofficers.bannerbank.com/ca/folsom/michelle-paxton",
        "verified_at": "2026-10-16"
      }
    ],
    "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/michelle-paxton-831343#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://loanofficers.bannerbank.com/ca/folsom/michelle-paxton",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": {
      "date": "2015-11-04",
      "state": "CA"
    },
    "licensed_since": {
      "year": 2015,
      "state": "CA"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}