{
  "canonical_url": "https://lendb.ai/lo/tracey-haycraft-2054788",
  "lede": {
    "text": "Tracey Haycraft (NMLS 2054788) is a mortgage loan officer at Sun West Mortgage, licensed in Texas since 2021. Tracey works at an FHA-approved lender, per HUD.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Tracey licensed in Texas?",
      "a": "Yes. Texas regulator records list a license as active, first effective May 3, 2021 (verified 2026-10-13).",
      "fields": [
        "licenses"
      ],
      "source": "Texas state regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    {
      "q": "What lender does Tracey work for, and is it FHA-approved?",
      "a": "Sun West Mortgage, company NMLS 3277, per the lender's own site (verified 2026-10-13). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026).",
      "fields": [
        "current_employment",
        "employer_program_approvals"
      ],
      "source": "lender site; HUD",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    {
      "q": "How long has Tracey been licensed?",
      "a": "The earliest state license record LenDb holds for Tracey is from May 3, 2021 (Texas regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Texas state regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    }
  ],
  "loan_officer": {
    "nmls_id": 2054788,
    "slug": "tracey-haycraft-2054788",
    "canonical_url": "https://lendb.ai/lo/tracey-haycraft-2054788",
    "md_url": "https://lendb.ai/lo/tracey-haycraft-2054788.md",
    "json_url": "https://lendb.ai/lo/tracey-haycraft-2054788.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2054788",
    "full_name": {
      "value": "Tracey Haycraft",
      "source": "state_regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    "first_name": "Tracey",
    "last_name": "Haycraft",
    "headshot_url": null,
    "bio": null,
    "title": null,
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 0,
    "current_employment": {
      "lender_nmls_id": 3277,
      "lender_name": "Sun West Mortgage",
      "lender_slug": "sun-west-mortgage-3277",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": null,
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3277,
        "lender_name": "Sun West Mortgage",
        "lender_slug": "sun-west-mortgage-3277",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": null,
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13"
      }
    ],
    "licenses": [
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2021-05-03",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed"
      }
    ],
    "specialties": [],
    "lender_offers": [
      {
        "slug": "bank-statement",
        "label": "Bank statement loan",
        "lender_nmls_id": 3277,
        "lender_name": "Sun West Mortgage",
        "source": "manual",
        "source_url": "https://www.swmc.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "construction",
        "label": "Construction loan",
        "lender_nmls_id": 3277,
        "lender_name": "Sun West Mortgage",
        "source": "manual",
        "source_url": "https://www.swmc.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "dscr",
        "label": "DSCR loan",
        "lender_nmls_id": 3277,
        "lender_name": "Sun West Mortgage",
        "source": "manual",
        "source_url": "https://www.swmc.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "lender_nmls_id": 3277,
        "lender_name": "Sun West Mortgage",
        "source": "manual",
        "source_url": "https://www.swmc.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "heloc",
        "label": "HELOC",
        "lender_nmls_id": 3277,
        "lender_name": "Sun West Mortgage",
        "source": "manual",
        "source_url": "https://www.swmc.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "lender_nmls_id": 3277,
        "lender_name": "Sun West Mortgage",
        "source": "manual",
        "source_url": "https://www.swmc.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "lender_nmls_id": 3277,
        "lender_name": "Sun West Mortgage",
        "source": "manual",
        "source_url": "https://www.swmc.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "non-qm",
        "label": "Non-QM loan",
        "lender_nmls_id": 3277,
        "lender_name": "Sun West Mortgage",
        "source": "manual",
        "source_url": "https://www.swmc.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "physician",
        "label": "Physician and medical professional",
        "lender_nmls_id": 3277,
        "lender_name": "Sun West Mortgage",
        "source": "manual",
        "source_url": "https://www.swmc.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "lender_nmls_id": 3277,
        "lender_name": "Sun West Mortgage",
        "source": "manual",
        "source_url": "https://www.swmc.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "lender_nmls_id": 3277,
        "lender_name": "Sun West Mortgage",
        "source": "manual",
        "source_url": "https://www.swmc.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "lender_nmls_id": 3277,
        "lender_name": "Sun West Mortgage",
        "source": "manual",
        "source_url": "https://www.swmc.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "lender_nmls_id": 3277,
        "lender_name": "Sun West Mortgage",
        "source": "manual",
        "source_url": "https://www.swmc.com",
        "verified_at": "2026-10-08"
      }
    ],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-13",
    "updated_at": "2026-10-13 15:28:16.208057+00",
    "disciplinary_check": "not_checked",
    "gated_contact": null,
    "earliest_license_record": {
      "date": "2021-05-03",
      "state": "TX"
    },
    "licensed_since": {
      "year": 2021,
      "state": "TX"
    },
    "federal_registration": null
  }
}