{
  "canonical_url": "https://lendb.ai/lo/summer-freeman-360504",
  "lede": {
    "text": "Based in Eugene, Oregon, Summer Freeman (NMLS 360504) is a mortgage loan officer at Mortgage Marketplace LLC, licensed in California since 2013 and in Oregon. Summer's focus, from their own profile, includes first-time buyer, HELOC and real estate investor.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Summer licensed in Oregon?",
      "a": "Yes. Oregon regulator records list a license as active, first effective April 17, 2018 (verified 2026-10-20). LenDb has 1 other state on file for Summer.",
      "fields": [
        "licenses"
      ],
      "source": "Oregon state regulator",
      "source_url": "https://dfr.oregon.gov/",
      "verified_at": "2026-10-20"
    },
    {
      "q": "Does Summer list first-time buyer as a focus?",
      "a": "Summer's profile lists first-time buyer as a focus (from their lender profile page). It also lists HELOC, real estate investor and refinance.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://mortgagemarketplace.loans/team-member/summer-freeman/",
      "verified_at": "2026-10-22"
    },
    {
      "q": "What lender does Summer work for?",
      "a": "Mortgage Marketplace LLC, company NMLS 2367229, from the Eugene, OR office, per the lender's own site (verified 2026-10-22).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://mortgagemarketplace.loans/team-member/summer-freeman/",
      "verified_at": "2026-10-22"
    },
    {
      "q": "How long has Summer been licensed?",
      "a": "The earliest state license record LenDb holds for Summer is from May 8, 2013 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Summer states 28 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": 360504,
    "slug": "summer-freeman-360504",
    "canonical_url": "https://lendb.ai/lo/summer-freeman-360504",
    "md_url": "https://lendb.ai/lo/summer-freeman-360504.md",
    "json_url": "https://lendb.ai/lo/summer-freeman-360504.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/360504",
    "full_name": {
      "value": "Summer Freeman",
      "source": "state_regulator",
      "source_url": "https://mortgagemarketplace.loans/team-member/summer-freeman/",
      "verified_at": "2026-10-22"
    },
    "first_name": "Summer",
    "last_name": "Freeman",
    "licensed_names": [
      {
        "name": "Summer Freeman",
        "name_with_middle_initial": "Summer L. Freeman",
        "first_name": "Summer",
        "middle_initial": "L",
        "last_name": "Freeman",
        "states": [
          "CA",
          "OR"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-22"
      }
    ],
    "headshot_url": {
      "value": "https://mortgagemarketplace.loans/wp-content/uploads/2026/09/summer-freeman-mortgage-marketplace-headshot-image.webp",
      "source": "state_regulator",
      "source_url": "https://mortgagemarketplace.loans/team-member/summer-freeman/",
      "verified_at": "2026-10-22"
    },
    "bio": {
      "value": "Summer Freeman is a branch manager and mortgage broker in Eugene, Oregon, with over 28 years in mortgage and real estate, starting in 1998. They help clients in Oregon, California, Idaho and Washington. Their profile lists first-time buyer, refinance, home equity, reverse mortgage, investor and self-employed financing as areas of guidance.",
      "source": "state_regulator",
      "source_url": "https://mortgagemarketplace.loans/team-member/summer-freeman/",
      "verified_at": "2026-10-22"
    },
    "title": {
      "value": "Mortgage Broker and Branch Manager, Mortgage Marketplace",
      "source": "state_regulator",
      "source_url": "https://mortgagemarketplace.loans/team-member/summer-freeman/",
      "verified_at": "2026-10-22"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://mortgagemarketplace.loans/team-member/summer-freeman/",
      "verified_at": "2026-10-22"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 28,
      "source": "lender_site",
      "source_url": "https://mortgagemarketplace.loans/team-member/summer-freeman/",
      "verified_at": "2026-10-22"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 2367229,
      "lender_name": "Mortgage Marketplace LLC",
      "lender_slug": "mortgage-marketplace-llc-2367229",
      "branch_city": "Eugene",
      "branch_state": "OR",
      "branch_zip": "97401",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://mortgagemarketplace.loans/team-member/summer-freeman/",
      "lender_type": "other",
      "source": "state_regulator",
      "source_url": "https://mortgagemarketplace.loans/team-member/summer-freeman/",
      "verified_at": "2026-10-22"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2367229,
        "lender_name": "Mortgage Marketplace LLC",
        "lender_slug": "mortgage-marketplace-llc-2367229",
        "branch_city": "Eugene",
        "branch_state": "OR",
        "branch_zip": "97401",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://mortgagemarketplace.loans/team-member/summer-freeman/",
        "lender_type": "other",
        "source": "state_regulator",
        "source_url": "https://mortgagemarketplace.loans/team-member/summer-freeman/",
        "verified_at": "2026-10-22"
      }
    ],
    "licenses": [
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2018-04-17",
        "source": "state_regulator",
        "source_url": "https://dfr.oregon.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "or"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DFPI360504",
        "status": "active",
        "issued_at": "2013-05-08",
        "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": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://mortgagemarketplace.loans/team-member/summer-freeman/",
        "verified_at": "2026-10-22"
      },
      {
        "slug": "heloc",
        "label": "HELOC",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://mortgagemarketplace.loans/team-member/summer-freeman/",
        "verified_at": "2026-10-22"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://mortgagemarketplace.loans/team-member/summer-freeman/",
        "verified_at": "2026-10-22"
      },
      {
        "slug": "refinance",
        "label": "Refinance",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://mortgagemarketplace.loans/team-member/summer-freeman/",
        "verified_at": "2026-10-22"
      },
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://mortgagemarketplace.loans/team-member/summer-freeman/",
        "verified_at": "2026-10-22"
      },
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://mortgagemarketplace.loans/team-member/summer-freeman/",
        "verified_at": "2026-10-22"
      }
    ],
    "lender_offers": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/summer-freeman-loans/",
        "source": "lender_site",
        "source_url": "https://mortgagemarketplace.loans/team-member/summer-freeman/",
        "verified_at": "2026-10-22"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "28",
        "source": "lender_site",
        "source_url": "https://mortgagemarketplace.loans/team-member/summer-freeman/",
        "verified_at": "2026-10-22"
      },
      {
        "kind": "years_experience",
        "value": "since 1998",
        "source": "lender_site",
        "source_url": "https://mortgagemarketplace.loans/team-member/summer-freeman/",
        "verified_at": "2026-10-22"
      },
      {
        "kind": "service_area",
        "value": "Oregon, California, Idaho, Washington",
        "source": "lender_site",
        "source_url": "https://mortgagemarketplace.loans/team-member/summer-freeman/",
        "verified_at": "2026-10-22"
      },
      {
        "kind": "role",
        "value": "Former secretary, senior processor, mobile notary, client concierge and loan partner in real estate and mortgage",
        "source": "lender_site",
        "source_url": "https://mortgagemarketplace.loans/team-member/summer-freeman/",
        "verified_at": "2026-10-22"
      },
      {
        "kind": "community",
        "value": "Member of the Eugene and Springfield chambers of commerce; Affiliate Director on the Springfield Realtor board; Eugene Realtors YPN committee",
        "source": "lender_site",
        "source_url": "https://mortgagemarketplace.loans/team-member/summer-freeman/",
        "verified_at": "2026-10-22"
      },
      {
        "kind": "other",
        "value": "Has a passion for serving older members of the community",
        "source": "lender_site",
        "source_url": "https://mortgagemarketplace.loans/team-member/summer-freeman/",
        "verified_at": "2026-10-22"
      }
    ],
    "last_verified_at": "2026-10-24",
    "updated_at": "2026-10-24 19:28:56.294761+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/summer-freeman-360504#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://mortgagemarketplace.loans/team-member/summer-freeman/",
      "verified_at": "2026-10-22"
    },
    "earliest_license_record": {
      "date": "2013-05-08",
      "state": "CA"
    },
    "licensed_since": {
      "year": 2013,
      "state": "CA"
    },
    "federal_registration": null
  }
}