{
  "canonical_url": "https://lendb.ai/lo/rachel-church-cumberbatch-2728783",
  "lede": {
    "text": "Rachel Church Cumberbatch (NMLS 2728783) is a mortgage loan officer at AmeriSave Mortgage, licensed in Illinois since 2025 and in Florida, Colorado, Pennsylvania and 4 more states. Rachel works at an FHA-approved lender, per HUD.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Rachel licensed in Florida?",
      "a": "Yes. Florida regulator records list license LO141111 as active, first effective September 9, 2025 (verified 2026-10-15). LenDb has 7 other states on file for Rachel.",
      "fields": [
        "licenses"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
      "verified_at": "2026-10-15"
    },
    {
      "q": "What lender does Rachel work for, and is it FHA-approved?",
      "a": "AmeriSave Mortgage, company NMLS 1168, 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 Rachel been licensed?",
      "a": "The earliest state license record LenDb holds for Rachel is from July 10, 2025 (Illinois regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Illinois state regulator",
      "source_url": "https://idfpr.illinois.gov/banks/resfin.html",
      "verified_at": "2026-10-28"
    }
  ],
  "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": 2728783,
    "slug": "rachel-church-cumberbatch-2728783",
    "canonical_url": "https://lendb.ai/lo/rachel-church-cumberbatch-2728783",
    "md_url": "https://lendb.ai/lo/rachel-church-cumberbatch-2728783.md",
    "json_url": "https://lendb.ai/lo/rachel-church-cumberbatch-2728783.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2728783",
    "full_name": {
      "value": "Rachel Church Cumberbatch",
      "source": "state_regulator",
      "source_url": "https://dfr.oregon.gov/",
      "verified_at": "2026-10-20"
    },
    "first_name": "Rachel",
    "last_name": "Church Cumberbatch",
    "licensed_names": [
      {
        "name": "Rachel Church Cumberbatch",
        "name_with_middle_initial": "Rachel L. Church Cumberbatch",
        "first_name": "Rachel",
        "middle_initial": "L",
        "last_name": "Church Cumberbatch",
        "states": [
          "CA",
          "CO",
          "FL",
          "NV",
          "OR"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-28"
      },
      {
        "name": "Rachel Cumberbatch",
        "name_with_middle_initial": "Rachel L. Cumberbatch",
        "first_name": "Rachel",
        "middle_initial": "L",
        "last_name": "Cumberbatch",
        "states": [
          "PA",
          "TX"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-12"
      }
    ],
    "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": 1168,
      "lender_name": "AmeriSave Mortgage",
      "lender_slug": "amerisave-mortgage-1168",
      "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": 1168,
        "lender_name": "AmeriSave Mortgage",
        "lender_slug": "amerisave-mortgage-1168",
        "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": 1604663,
        "lender_name": "Standard Mortgage Capital LLC",
        "lender_slug": "standard-mortgage-capital-llc-1604663",
        "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://www.sml.texas.gov/",
        "verified_at": "2026-10-13"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO141111",
        "status": "active",
        "issued_at": "2025-09-09",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": "100544477",
        "status": "active",
        "issued_at": "2026-02-13",
        "source": "state_regulator",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=348103&contact=582879",
        "verified_at": "2026-10-16",
        "confidence": "confirmed",
        "regulator": "co"
      },
      {
        "state": "PA",
        "license_type": "state_license",
        "license_number": "116541",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://data.pa.gov/d/tyxc-jyug",
        "verified_at": "2026-10-16",
        "confidence": "confirmed",
        "regulator": "pa"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2025-08-07",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2025-12-15",
        "source": "state_regulator",
        "source_url": "https://dfr.oregon.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "or"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DFPI2728783",
        "status": "active",
        "issued_at": "2025-09-15",
        "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": "IL",
        "license_type": "state_license",
        "license_number": "31.0090773",
        "status": "active",
        "issued_at": "2025-07-10",
        "source": "state_regulator",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html",
        "verified_at": "2026-10-28",
        "confidence": "confirmed",
        "regulator": "il"
      },
      {
        "state": "NV",
        "license_type": "state_license",
        "license_number": "NMLO-154896",
        "status": "active",
        "issued_at": "2026-01-13",
        "source": "state_regulator",
        "source_url": "https://mld.nv.gov/",
        "verified_at": "2026-10-31",
        "confidence": "confirmed",
        "regulator": "nv"
      }
    ],
    "specialties": [],
    "lender_offers": [
      {
        "slug": "dscr",
        "label": "DSCR loan",
        "lender_nmls_id": 1168,
        "lender_name": "AmeriSave Mortgage",
        "source": "manual",
        "source_url": "https://www.amerisave.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "lender_nmls_id": 1168,
        "lender_name": "AmeriSave Mortgage",
        "source": "manual",
        "source_url": "https://www.amerisave.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "heloc",
        "label": "HELOC",
        "lender_nmls_id": 1168,
        "lender_name": "AmeriSave Mortgage",
        "source": "manual",
        "source_url": "https://www.amerisave.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "lender_nmls_id": 1168,
        "lender_name": "AmeriSave Mortgage",
        "source": "manual",
        "source_url": "https://www.amerisave.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "lender_nmls_id": 1168,
        "lender_name": "AmeriSave Mortgage",
        "source": "manual",
        "source_url": "https://www.amerisave.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "lender_nmls_id": 1168,
        "lender_name": "AmeriSave Mortgage",
        "source": "manual",
        "source_url": "https://www.amerisave.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "lender_nmls_id": 1168,
        "lender_name": "AmeriSave Mortgage",
        "source": "manual",
        "source_url": "https://www.amerisave.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "lender_nmls_id": 1168,
        "lender_name": "AmeriSave Mortgage",
        "source": "manual",
        "source_url": "https://www.amerisave.com",
        "verified_at": "2026-10-08"
      }
    ],
    "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": "2026-10-31",
    "updated_at": "2026-10-31 20:06:23.660637+00",
    "disciplinary_check": "not_checked",
    "gated_contact": null,
    "earliest_license_record": {
      "date": "2025-07-10",
      "state": "IL"
    },
    "licensed_since": {
      "year": 2025,
      "state": "IL"
    },
    "federal_registration": null
  }
}