{
  "canonical_url": "https://lendb.ai/lo/phelotkhane-youmagul-319143",
  "lede": {
    "text": "Mark Youmagul (NMLS 319143) is a Loan Originator at Barrett Financial Group in Chandler, Arizona, licensed in California since 2010 and in Florida, Texas, Illinois and 2 more states. Mark's own profile lists refinance as a focus.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Mark licensed in Arizona?",
      "a": "Barrett Financial Group's page for Mark lists Arizona. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access. LenDb has 19 other states on file for Mark.",
      "fields": [
        "licenses"
      ],
      "source": "lender page",
      "source_url": "https://www.barrettfinancial.com/mark-youmagul",
      "verified_at": "2026-10-20"
    },
    {
      "q": "Does Mark list refinance as a focus?",
      "a": "Mark's profile lists refinance as a focus (from their lender profile page).",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://www.barrettfinancial.com/mark-youmagul",
      "verified_at": "2026-10-20"
    },
    {
      "q": "What lender does Mark work for?",
      "a": "Barrett Financial Group, company NMLS 181106, from the Chandler, AZ office, per the lender's own site (verified 2026-10-20).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.barrettfinancial.com/mark-youmagul",
      "verified_at": "2026-10-20"
    },
    {
      "q": "How long has Mark been licensed?",
      "a": "The earliest state license record LenDb holds for Mark is from July 27, 2010 (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": 319143,
    "slug": "phelotkhane-youmagul-319143",
    "canonical_url": "https://lendb.ai/lo/phelotkhane-youmagul-319143",
    "md_url": "https://lendb.ai/lo/phelotkhane-youmagul-319143.md",
    "json_url": "https://lendb.ai/lo/phelotkhane-youmagul-319143.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/319143",
    "full_name": {
      "value": "Mark Youmagul",
      "source": "state_regulator",
      "source_url": "https://www.barrettfinancial.com/mark-youmagul",
      "verified_at": "2026-10-20"
    },
    "first_name": "Mark",
    "last_name": "Youmagul",
    "headshot_url": {
      "value": "https://di1v4rx98wr59.cloudfront.net/0a4e3d21ffa3b/79d7189120197c1ca1a2e8fc075f9a2e5eb12d44.png",
      "source": "state_regulator",
      "source_url": "https://www.barrettfinancial.com/mark-youmagul",
      "verified_at": "2026-10-20"
    },
    "bio": null,
    "title": {
      "value": "Loan Originator",
      "source": "state_regulator",
      "source_url": "https://www.barrettfinancial.com/mark-youmagul",
      "verified_at": "2026-10-20"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://www.barrettfinancial.com/mark-youmagul",
      "verified_at": "2026-10-20"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 181106,
      "lender_name": "Barrett Financial Group",
      "lender_slug": "barrett-financial-181106",
      "branch_city": "Chandler",
      "branch_state": "AZ",
      "branch_zip": "85286",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.barrettfinancial.com/mark-youmagul",
      "lender_type": "broker",
      "source": "state_regulator",
      "source_url": "https://www.barrettfinancial.com/mark-youmagul",
      "verified_at": "2026-10-20"
    },
    "employment_history": [
      {
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "lender_slug": "barrett-financial-181106",
        "branch_city": "Chandler",
        "branch_state": "AZ",
        "branch_zip": "85286",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.barrettfinancial.com/mark-youmagul",
        "lender_type": "broker",
        "source": "state_regulator",
        "source_url": "https://www.barrettfinancial.com/mark-youmagul",
        "verified_at": "2026-10-20"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO64158",
        "status": "active",
        "issued_at": "2019-09-16",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2022-01-03",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      },
      {
        "state": "AZ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/mark-youmagul",
        "verified_at": "2026-10-20",
        "confidence": "lender_reported"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DOC319143",
        "status": "active",
        "issued_at": "2010-07-27",
        "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": "CO",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/mark-youmagul",
        "verified_at": "2026-10-20",
        "confidence": "lender_reported"
      },
      {
        "state": "IL",
        "license_type": "state_license",
        "license_number": "31.0045675",
        "status": "active",
        "issued_at": "2016-11-22",
        "source": "state_regulator",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html",
        "verified_at": "2026-10-28",
        "confidence": "confirmed",
        "regulator": "il"
      },
      {
        "state": "KY",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/mark-youmagul",
        "verified_at": "2026-10-20",
        "confidence": "lender_reported"
      },
      {
        "state": "MA",
        "license_type": "state_license",
        "license_number": "MLO319143",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees",
        "verified_at": "2026-10-26",
        "confidence": "confirmed",
        "regulator": "ma"
      },
      {
        "state": "MI",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/mark-youmagul",
        "verified_at": "2026-10-20",
        "confidence": "lender_reported"
      },
      {
        "state": "MN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/mark-youmagul",
        "verified_at": "2026-10-20",
        "confidence": "lender_reported"
      },
      {
        "state": "NJ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/mark-youmagul",
        "verified_at": "2026-10-20",
        "confidence": "lender_reported"
      },
      {
        "state": "NV",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/mark-youmagul",
        "verified_at": "2026-10-20",
        "confidence": "lender_reported"
      },
      {
        "state": "OH",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/mark-youmagul",
        "verified_at": "2026-10-20",
        "confidence": "lender_reported"
      },
      {
        "state": "OK",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/mark-youmagul",
        "verified_at": "2026-10-20",
        "confidence": "lender_reported"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2023-06-08",
        "source": "state_regulator",
        "source_url": "https://dfr.oregon.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "or"
      },
      {
        "state": "SC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/mark-youmagul",
        "verified_at": "2026-10-20",
        "confidence": "lender_reported"
      },
      {
        "state": "TN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/mark-youmagul",
        "verified_at": "2026-10-20",
        "confidence": "lender_reported"
      },
      {
        "state": "UT",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/mark-youmagul",
        "verified_at": "2026-10-20",
        "confidence": "lender_reported"
      },
      {
        "state": "VA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/mark-youmagul",
        "verified_at": "2026-10-20",
        "confidence": "lender_reported"
      },
      {
        "state": "WV",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/mark-youmagul",
        "verified_at": "2026-10-20",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "refinance",
        "label": "Refinance",
        "evidence": "lender_page_text",
        "confidence": 0.55,
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/mark-youmagul",
        "verified_at": "2026-10-20"
      }
    ],
    "lender_offers": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "heloc",
        "label": "HELOC",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "non-qm",
        "label": "Non-QM loan",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "lender_nmls_id": 181106,
        "lender_name": "Barrett Financial Group",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "service_area",
        "value": "Phoenix, Gilbert, Scottsdale",
        "source": "lender_site",
        "source_url": "https://www.barrettfinancial.com/mark-youmagul",
        "verified_at": "2026-10-20"
      }
    ],
    "last_verified_at": "2026-10-28",
    "updated_at": "2026-10-28 14:33:10.461673+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/phelotkhane-youmagul-319143#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://www.barrettfinancial.com/mark-youmagul",
      "verified_at": "2026-10-20"
    },
    "earliest_license_record": {
      "date": "2010-07-27",
      "state": "CA"
    },
    "licensed_since": {
      "year": 2010,
      "state": "CA"
    },
    "federal_registration": null
  }
}