{
  "canonical_url": "https://lendb.ai/lo/robert-kinsey-1938446",
  "lede": {
    "text": "Luke Kinsey (NMLS 1938446) is a Senior Mortgage Broker at Three Point Mortgage LLC, serving California, Colorado, South Dakota and Texas. Luke's focus, from their own profile, includes first-time buyer, real estate investor and condo.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Luke licensed in California?",
      "a": "Three Point Mortgage LLC's page for Luke lists California. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access. LenDb has 3 other states on file for Luke.",
      "fields": [
        "licenses"
      ],
      "source": "lender page",
      "source_url": "https://www.threepointmortgage.com/luke-kinsey",
      "verified_at": "2026-10-15"
    },
    {
      "q": "Does Luke list first-time buyer as a focus?",
      "a": "Luke's profile lists first-time buyer as a focus (from their lender profile page). It also lists real estate investor, condo and down payment assistance.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://www.threepointmortgage.com/luke-kinsey",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Luke 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/luke-kinsey",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Luke been licensed?",
      "a": "The earliest state license record LenDb holds for Luke is from March 24, 2020 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Luke states 6 years of experience.",
      "fields": [
        "earliest_license_record",
        "years_experience"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
      "verified_at": "2026-10-15"
    }
  ],
  "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": 1938446,
    "slug": "robert-kinsey-1938446",
    "canonical_url": "https://lendb.ai/lo/robert-kinsey-1938446",
    "md_url": "https://lendb.ai/lo/robert-kinsey-1938446.md",
    "json_url": "https://lendb.ai/lo/robert-kinsey-1938446.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1938446",
    "full_name": {
      "value": "Luke Kinsey",
      "source": "lender_site",
      "source_url": "https://www.threepointmortgage.com/luke-kinsey",
      "verified_at": "2026-10-15"
    },
    "first_name": "Luke",
    "last_name": "Kinsey",
    "licensed_names": [
      {
        "name": "Robert Kinsey",
        "name_with_middle_initial": "Robert L. Kinsey",
        "first_name": "Robert",
        "middle_initial": "L",
        "last_name": "Kinsey",
        "states": [
          "FL"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-09"
      }
    ],
    "headshot_url": {
      "value": "https://images.squarespace-cdn.com/content/v1/673cdd703c36ec6e0d4c0946/eba43ee9-2eea-42e9-b59f-4f3f4359bdee/Luke.jpg",
      "source": "lender_site",
      "source_url": "https://www.threepointmortgage.com/luke-kinsey",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Senior Mortgage Broker",
      "source": "lender_site",
      "source_url": "https://www.threepointmortgage.com/luke-kinsey",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.threepointmortgage.com/luke-kinsey",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 6,
      "source": "lender_site",
      "source_url": "https://www.threepointmortgage.com/luke-kinsey",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "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/luke-kinsey",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.threepointmortgage.com/luke-kinsey",
      "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/luke-kinsey",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/luke-kinsey",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO69190",
        "status": "expired",
        "issued_at": "2020-03-24",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/luke-kinsey",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/luke-kinsey",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "SD",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/luke-kinsey",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/luke-kinsey",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/luke-kinsey",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/luke-kinsey",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "condo",
        "label": "Condo",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/luke-kinsey",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "down-payment-assistance",
        "label": "Down payment assistance",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/luke-kinsey",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "foreign-national",
        "label": "Foreign national",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/luke-kinsey",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "non-qm",
        "label": "Non-QM loan",
        "evidence": "lender_page_text",
        "confidence": 0.51,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/luke-kinsey",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "vacation-home",
        "label": "Vacation home",
        "evidence": "lender_page_text",
        "confidence": 0.51,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/luke-kinsey",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "evidence": "lender_page_text",
        "confidence": 0.34,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/luke-kinsey",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "dscr",
        "label": "DSCR loan",
        "evidence": "lender_page_text",
        "confidence": 0.17,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/luke-kinsey",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.17,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/luke-kinsey",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.09,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/luke-kinsey",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.09,
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/luke-kinsey",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "6",
        "source": "lender_site",
        "source_url": "https://www.threepointmortgage.com/luke-kinsey",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 18:22:21.478833+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/robert-kinsey-1938446#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/luke-kinsey",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2020-03-24",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2020,
      "state": "FL"
    },
    "federal_registration": null
  }
}