{
  "canonical_url": "https://lendb.ai/lo/steve-kim-259197",
  "lede": {
    "text": "Steve Kim (NMLS 259197) is a mortgage loan officer at Oz Gram Investment, Inc., licensed in California since 2016 and in Texas.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment",
      "licenses",
      "earliest_license_record"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Steve licensed in Texas?",
      "a": "Yes. Texas regulator records list a license as active, first effective March 14, 2022 (verified 2026-10-13). LenDb has 1 other state on file for Steve.",
      "fields": [
        "licenses"
      ],
      "source": "Texas state regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    {
      "q": "What lender does Steve work for?",
      "a": "Oz Gram Investment, Inc., company NMLS 1579697, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://cpslending.com/steve/pf",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Steve been licensed?",
      "a": "The earliest state license record LenDb holds for Steve is from October 14, 2016 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "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": 259197,
    "slug": "steve-kim-259197",
    "canonical_url": "https://lendb.ai/lo/steve-kim-259197",
    "md_url": "https://lendb.ai/lo/steve-kim-259197.md",
    "json_url": "https://lendb.ai/lo/steve-kim-259197.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/259197",
    "full_name": {
      "value": "Steve Kim",
      "source": "state_regulator",
      "source_url": "https://cpslending.com/steve/pf",
      "verified_at": "2026-10-15"
    },
    "first_name": "Steve",
    "last_name": "Kim",
    "licensed_names": [
      {
        "name": "Steve Kim",
        "name_with_middle_initial": "Steve S. Kim",
        "first_name": "Steve",
        "middle_initial": "S",
        "last_name": "Kim",
        "states": [
          "CA",
          "TX"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-22"
      }
    ],
    "headshot_url": null,
    "bio": {
      "value": "Steve Kim is CEO at the California Main Office. They have nearly 20 years in the mortgage industry and say they help families and investors with home purchase and refinance financing, including creative strategies.",
      "source": "state_regulator",
      "source_url": "https://cpslending.com/steve/pf",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "CEO",
      "source": "state_regulator",
      "source_url": "https://cpslending.com/steve/pf",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://cpslending.com/steve/pf",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 40,
    "current_employment": {
      "lender_nmls_id": 1579697,
      "lender_name": "Oz Gram Investment, Inc.",
      "lender_slug": "oz-gram-investment-inc-1579697",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://cpslending.com/steve/pf",
      "lender_type": "other",
      "source": "state_regulator",
      "source_url": "https://cpslending.com/steve/pf",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1579697,
        "lender_name": "Oz Gram Investment, Inc.",
        "lender_slug": "oz-gram-investment-inc-1579697",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://cpslending.com/steve/pf",
        "lender_type": "other",
        "source": "state_regulator",
        "source_url": "https://cpslending.com/steve/pf",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2022-03-14",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "01843316",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html",
        "verified_at": "2026-10-24",
        "confidence": "confirmed",
        "regulator": "ca_dre",
        "regulator_name": "California Department of Real Estate"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DBO259197",
        "status": "active",
        "issued_at": "2016-10-14",
        "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": "nearly twenty",
        "source": "lender_site",
        "source_url": "https://cpslending.com/steve/pf",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-24",
    "updated_at": "2026-10-24 19:30:30.882627+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/steve-kim-259197#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://cpslending.com/steve/pf",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2016-10-14",
      "state": "CA"
    },
    "licensed_since": {
      "year": 2016,
      "state": "CA"
    },
    "federal_registration": null
  }
}