{
  "canonical_url": "https://lendb.ai/lo/reyna-ponce-2026255",
  "lede": {
    "text": "Reyna Ponce (NMLS 2026255) is a Senior Mortgage Broker at Three Point Mortgage LLC, licensed in Colorado since 2021 and in Texas. Reyna's lender page shows a focus on down payment assistance, foreign national and non-QM loan, and Reyna speaks English and Spanish.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "specialties",
      "languages"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Reyna licensed in Texas?",
      "a": "Yes. Texas regulator records list a license as active, first effective January 5, 2026 (verified 2026-10-13). LenDb has 1 other state on file for Reyna.",
      "fields": [
        "licenses"
      ],
      "source": "Texas state regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    {
      "q": "Does Reyna do down payment assistance?",
      "a": "Reyna's profile lists down payment assistance as a focus (from their lender profile page). It also lists foreign national, non-QM loan and DSCR loan.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://www.threepointmortgage.com/reyna-ponce",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Reyna work for?",
      "a": "Three Point Mortgage LLC, company NMLS 2364254, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.threepointmortgage.com/reyna-ponce",
      "verified_at": "2026-10-15"
    },
    {
      "q": "What languages does Reyna speak?",
      "a": "English and Spanish, per their lender page (verified 2026-10-15).",
      "fields": [
        "languages"
      ],
      "source": "lender page",
      "source_url": "https://www.threepointmortgage.com/reyna-ponce",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Reyna been licensed?",
      "a": "The earliest state license record LenDb holds for Reyna is from April 15, 2021 (Colorado regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Colorado state regulator",
      "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=271195&contact=493946",
      "verified_at": "2026-10-16"
    }
  ],
  "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": 2026255,
    "slug": "reyna-ponce-2026255",
    "canonical_url": "https://lendb.ai/lo/reyna-ponce-2026255",
    "md_url": "https://lendb.ai/lo/reyna-ponce-2026255.md",
    "json_url": "https://lendb.ai/lo/reyna-ponce-2026255.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2026255",
    "full_name": {
      "value": "Reyna Ponce",
      "source": "state_regulator",
      "source_url": "https://www.threepointmortgage.com/reyna-ponce",
      "verified_at": "2026-10-15"
    },
    "first_name": "Reyna",
    "last_name": "Ponce",
    "licensed_names": [
      {
        "name": "Reyna Ponce",
        "name_with_middle_initial": "Reyna C. Ponce",
        "first_name": "Reyna",
        "middle_initial": "C",
        "last_name": "Ponce",
        "states": [
          "CO",
          "TX"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-12"
      }
    ],
    "headshot_url": {
      "value": "https://images.squarespace-cdn.com/content/v1/673cdd703c36ec6e0d4c0946/0ba8cd84-33d3-4458-998a-adc4fe7ed876/carlyrobertsphotography-160.jpg",
      "source": "state_regulator",
      "source_url": "https://www.threepointmortgage.com/reyna-ponce",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Senior Mortgage Broker",
      "source": "state_regulator",
      "source_url": "https://www.threepointmortgage.com/reyna-ponce",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [
        "en",
        "es"
      ],
      "source": "state_regulator",
      "source_url": "https://www.threepointmortgage.com/reyna-ponce",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 75,
    "current_employment": {
      "lender_nmls_id": 2364254,
      "lender_name": "Three Point Mortgage LLC",
      "lender_slug": "three-point-mortgage-llc-2364254",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.threepointmortgage.com/reyna-ponce",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://www.threepointmortgage.com/reyna-ponce",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2364254,
        "lender_name": "Three Point Mortgage LLC",
        "lender_slug": "three-point-mortgage-llc-2364254",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.threepointmortgage.com/reyna-ponce",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://www.threepointmortgage.com/reyna-ponce",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2026-01-05",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      },
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": "100523278",
        "status": "active",
        "issued_at": "2021-04-15",
        "source": "state_regulator",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=271195&contact=493946",
        "verified_at": "2026-10-16",
        "confidence": "confirmed",
        "regulator": "co"
      }
    ],
    "specialties": [
      {
        "slug": "down-payment-assistance",
        "label": "Down payment assistance",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/reyna-ponce",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "foreign-national",
        "label": "Foreign national",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/reyna-ponce",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "non-qm",
        "label": "Non-QM loan",
        "evidence": "lender_page_text",
        "confidence": 0.42,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/reyna-ponce",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "dscr",
        "label": "DSCR loan",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/reyna-ponce",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/reyna-ponce",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/reyna-ponce",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "service_area",
        "value": "Colorado and Texas",
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/reyna-ponce",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 18:19:43.06801+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/reyna-ponce-2026255#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.threepointmortgage.com/reyna-ponce",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2021-04-15",
      "state": "CO"
    },
    "licensed_since": {
      "year": 2021,
      "state": "CO"
    },
    "federal_registration": null
  }
}