--- canonical_url: https://lendb.ai/lo/robert-kinsey-1938446 json_url: https://lendb.ai/lo/robert-kinsey-1938446.json nmls_id: 1938446 last_verified: 2026-10-15 --- # Luke Kinsey Senior Mortgage Broker at Three Point Mortgage LLC. NMLS ID 1938446 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1938446)). 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. **Summary:** Luke Kinsey (NMLS 1938446) is Senior Mortgage Broker at Three Point Mortgage LLC. Lists California, Colorado, South Dakota and Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer, Real estate investor, Condo, Down payment assistance and Foreign national. Earliest state license record: March 24, 2020 (Florida), per state regulator. States 6 years of experience. Last verified 2026-10-15. ## Quick answers ### Is Luke licensed in California? 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. Source: https://www.threepointmortgage.com/luke-kinsey. ### Does Luke list first-time buyer as a focus? 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. Source: https://www.threepointmortgage.com/luke-kinsey. ### What lender does Luke work for? Three Point Mortgage LLC, company NMLS 2364254, per the lender's own site (verified 2026-10-15). Source: https://www.threepointmortgage.com/luke-kinsey. ### How long has Luke been licensed? 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. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ## At a glance - Earliest state license record: March 24, 2020 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 6 (source: https://www.threepointmortgage.com/luke-kinsey, verified 2026-10-15) - Also licensed as (state regulator records, same NMLS ID): Robert L. Kinsey (FL, as of 2026-10-09) - Licensed in: California (CA, lender_reported), Colorado (CO, lender_reported), South Dakota (SD, lender_reported), Texas (TX, lender_reported) - 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) - **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.80, verified 2026-10-26. Source: https://www.threepointmortgage.com/luke-kinsey - **Real estate investor** (`investor`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://www.threepointmortgage.com/luke-kinsey - **Condo** (`condo`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://www.threepointmortgage.com/luke-kinsey - **Down payment assistance** (`down-payment-assistance`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://www.threepointmortgage.com/luke-kinsey - **Foreign national** (`foreign-national`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://www.threepointmortgage.com/luke-kinsey - **Non-QM loan** (`non-qm`): from their lender profile page, confidence 0.51, verified 2026-10-26. Source: https://www.threepointmortgage.com/luke-kinsey - **Vacation home** (`vacation-home`): from their lender profile page, confidence 0.51, verified 2026-10-26. Source: https://www.threepointmortgage.com/luke-kinsey - **Self-employed** (`self-employed`): from their lender profile page, confidence 0.34, verified 2026-10-26. Source: https://www.threepointmortgage.com/luke-kinsey - **DSCR loan** (`dscr`): from their lender profile page, confidence 0.17, verified 2026-10-26. Source: https://www.threepointmortgage.com/luke-kinsey - **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.17, verified 2026-10-26. Source: https://www.threepointmortgage.com/luke-kinsey - **FHA loan** (`fha`): from their lender profile page, confidence 0.09, verified 2026-10-26. Source: https://www.threepointmortgage.com/luke-kinsey - **VA loan** (`va`): from their lender profile page, confidence 0.09, verified 2026-10-26. Source: https://www.threepointmortgage.com/luke-kinsey ## Facts from the lender page and intro - years_experience: 6. Source: https://www.threepointmortgage.com/luke-kinsey, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO69190 | expired | confirmed | 2020-03-24 | state_regulator | 2026-10-15 | | CA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | CO | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | SD | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | TX | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | ## Employment history - ? to present: Three Point Mortgage LLC (NMLS 2364254). Source: https://www.threepointmortgage.com/luke-kinsey, verified 2026-10-15. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1938446 ## Contact - View profile at Three Point Mortgage LLC: https://www.threepointmortgage.com/luke-kinsey - Office phone and Email on file: shown at https://lendb.ai/lo/robert-kinsey-1938446#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1938446 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - lender_site: https://www.threepointmortgage.com/luke-kinsey Cite as: Luke Kinsey (NMLS 1938446), Three Point Mortgage LLC. LenDb.ai, https://lendb.ai/lo/robert-kinsey-1938446, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._