---
canonical_url: https://lendb.ai/lo/rachael-gaines-1171443
json_url: https://lendb.ai/lo/rachael-gaines-1171443.json
nmls_id: 1171443
last_verified: 2026-10-31
---

# Rachael Gaines

Loan officer at THE TURNKEY FOUNDATION INC., Roseville, CA. NMLS ID 1171443 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1171443)).

Rachael Gaines, NMLS 1171443, works as a mortgage loan officer at THE TURNKEY FOUNDATION INC. in Roseville, California and is licensed in California since 2018 and in Florida, Texas, Missouri and 2 more states.

**Summary:** Rachael Gaines (NMLS 1171443) is a loan officer at THE TURNKEY FOUNDATION INC., based in Roseville, CA. Licensed in 6 states confirmed with state regulators: Florida, Texas, Missouri, Oregon, California and Nevada. Earliest state license record: June 11, 2018 (California), per state regulator. Last verified 2026-10-31.

## Quick answers

### Is Rachael licensed in California?

Yes. California regulator records list license CA-DBO1171443 as active, first effective June 11, 2018 (verified 2026-10-24). LenDb has 5 other states on file for Rachael. Source: https://dfpi.ca.gov/.

### What lender does Rachael work for?

THE TURNKEY FOUNDATION INC., company NMLS 236669, from the Roseville, CA office, per the lender's own site (verified 2026-10-13). Source: https://www.sml.texas.gov/.

### How long has Rachael been licensed?

The earliest state license record LenDb holds for Rachael is from June 11, 2018 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfpi.ca.gov/.

## At a glance

- Earliest state license record: June 11, 2018 (California), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Also licensed as (state regulator records, same NMLS ID): Rachael M. Gaines (CA, FL, MO, NV, OR, TX, as of 2026-10-28)
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Missouri (MO, confirmed), Oregon (OR, confirmed), California (CA DFPI, confirmed), Nevada (NV, confirmed)
- 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 (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.)
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO129903 | active | confirmed | 2024-07-01 | state_regulator | 2026-10-15 |
| TX | Texas regulator | state_license | n/a | active | confirmed | 2024-05-13 | state_regulator | 2026-10-13 |
| MO | Missouri regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-19 |
| OR | Oregon regulator | state_license | 1171443 | active | confirmed | 2024-05-10 | state_regulator | 2026-10-20 |
| WI | Wisconsin regulator | state_license | 1171443 | expired | confirmed | 2022-08-22 | state_regulator | 2026-10-21 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DBO1171443 | active | confirmed | 2018-06-11 | state_regulator | 2026-10-24 |
| NV | Nevada regulator | state_license | NMLO-100696 | active | confirmed | 2023-03-20 | state_regulator | 2026-10-31 |

## Employment history

- ? to present: THE TURNKEY FOUNDATION INC. (NMLS 236669), Roseville, CA. Source: https://www.sml.texas.gov/, verified 2026-10-13.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1171443

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1171443
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://finance.mo.gov/banks-0/bank-licensee-search
- state_regulator: https://dfr.oregon.gov/
- state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/
- state_regulator: https://dfpi.ca.gov/
- state_regulator: https://mld.nv.gov/

Cite as: Rachael Gaines (NMLS 1171443), THE TURNKEY FOUNDATION INC.. LenDb.ai, https://lendb.ai/lo/rachael-gaines-1171443, last verified 2026-10-31.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._