{
  "canonical_url": "https://lendb.ai/lo/scott-stewart-365588",
  "lede": {
    "text": "Based in Santa Ana, California, Scott Stewart (NMLS 365588) is a Mortgage Loan Consultant at Orange County's Credit Union.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Scott licensed?",
      "a": "Scott works at a credit union; credit union loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access.",
      "fields": [
        "federal_registration",
        "current_employment"
      ],
      "source": "employer type in LenDb's lender registry",
      "source_url": null,
      "verified_at": "2026-10-16"
    },
    {
      "q": "What lender does Scott work for?",
      "a": "Orange County's Credit Union, company NMLS 403462, from the Santa Ana, CA office, per the lender's own site (verified 2026-10-16).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.orangecountyscu.org/products/home-loans/meet-our-team/scott-stewart/",
      "verified_at": "2026-10-16"
    },
    {
      "q": "How long has Scott been licensed?",
      "a": "The earliest state license record LenDb holds for Scott is from April 7, 2014 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Scott states 25 years of experience.",
      "fields": [
        "earliest_license_record",
        "years_experience"
      ],
      "source": "California state regulator",
      "source_url": "https://dfpi.ca.gov/",
      "verified_at": "2026-10-24"
    }
  ],
  "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": 365588,
    "slug": "scott-stewart-365588",
    "canonical_url": "https://lendb.ai/lo/scott-stewart-365588",
    "md_url": "https://lendb.ai/lo/scott-stewart-365588.md",
    "json_url": "https://lendb.ai/lo/scott-stewart-365588.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/365588",
    "full_name": {
      "value": "Scott Stewart",
      "source": "lender_site",
      "source_url": "https://www.orangecountyscu.org/products/home-loans/meet-our-team/scott-stewart/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Scott",
    "last_name": "Stewart",
    "licensed_names": [
      {
        "name": "Scott Stewart",
        "name_with_middle_initial": "Scott D. Stewart",
        "first_name": "Scott",
        "middle_initial": "D",
        "last_name": "Stewart",
        "states": [
          "CA",
          "FL"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-22"
      }
    ],
    "headshot_url": {
      "value": "https://www.orangecountyscu.org/globalassets/products/home-loans/2019-10-mortgage-loan-officers-for-website-260x260-_0002_scott-stewart-023_v1_current.jpg",
      "source": "lender_site",
      "source_url": "https://www.orangecountyscu.org/products/home-loans/meet-our-team/scott-stewart/",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Scott Stewart is a Mortgage Loan Consultant who says they have assisted homeowners for over 25 years in all aspects of real estate. They say they have worked with clients from those new to homeownership to seasoned homeowners, and that they grew up in Orange County.",
      "source": "lender_site",
      "source_url": "https://www.orangecountyscu.org/products/home-loans/meet-our-team/scott-stewart/",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Mortgage Loan Consultant",
      "source": "lender_site",
      "source_url": "https://www.orangecountyscu.org/products/home-loans/meet-our-team/scott-stewart/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.orangecountyscu.org/products/home-loans/meet-our-team/scott-stewart/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 25,
      "source": "lender_site",
      "source_url": "https://www.orangecountyscu.org/products/home-loans/meet-our-team/scott-stewart/",
      "verified_at": "2026-10-16"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 403462,
      "lender_name": "Orange County's Credit Union",
      "lender_slug": "orange-county-s-credit-union-403462",
      "branch_city": "Santa Ana",
      "branch_state": "CA",
      "branch_zip": "92705",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.orangecountyscu.org/products/home-loans/meet-our-team/scott-stewart/",
      "lender_type": "credit_union",
      "source": "lender_site",
      "source_url": "https://www.orangecountyscu.org/products/home-loans/meet-our-team/scott-stewart/",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 403462,
        "lender_name": "Orange County's Credit Union",
        "lender_slug": "orange-county-s-credit-union-403462",
        "branch_city": "Santa Ana",
        "branch_state": "CA",
        "branch_zip": "92705",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.orangecountyscu.org/products/home-loans/meet-our-team/scott-stewart/",
        "lender_type": "credit_union",
        "source": "lender_site",
        "source_url": "https://www.orangecountyscu.org/products/home-loans/meet-our-team/scott-stewart/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO43023",
        "status": "expired",
        "issued_at": "2017-05-03",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DBO365588",
        "status": "inactive",
        "issued_at": "2014-04-07",
        "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"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "25",
        "source": "lender_site",
        "source_url": "https://www.orangecountyscu.org/products/home-loans/meet-our-team/scott-stewart/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-23 04:43:05.584617+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/scott-stewart-365588#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.orangecountyscu.org/products/home-loans/meet-our-team/scott-stewart/",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": {
      "date": "2014-04-07",
      "state": "CA"
    },
    "licensed_since": {
      "year": 2014,
      "state": "CA"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "credit_union",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}