{
  "canonical_url": "https://lendb.ai/s/vacation-home/south-dakota",
  "summary": "As of 2026-10-26, LenDb lists 6 loan officers licensed in or based in South Dakota whose lender pages show Vacation home work. The top-ranked are Norah Gondeck (Bell Bank, Minneapolis), Steve Ennis (Plains Commerce Bank, Sioux Falls) and Robyn Kloner (Bell Bank, Gilbert). Ranking is lender-neutral: specialty evidence first, then a license in SD, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "vacation-home",
  "state": "SD",
  "total": 6,
  "last_verified": "2026-10-26",
  "results": [
    {
      "rank": 1,
      "score": 51,
      "loan_officer": {
        "nmls_id": 341214,
        "slug": "norah-gondeck-341214",
        "full_name": "Norah Gondeck",
        "canonical_url": "https://lendb.ai/lo/norah-gondeck-341214",
        "json_url": "https://lendb.ai/lo/norah-gondeck-341214.json",
        "lender": {
          "nmls_id": 419538,
          "name": "Bell Bank",
          "slug": "bell-bank-419538",
          "canonical_url": "https://lendb.ai/lender/bell-bank-419538",
          "type": "bank"
        },
        "branch": {
          "city": "Minneapolis",
          "state": "MN"
        },
        "headshot_url": "https://edge.sitecorecloud.io/bellbank1e14e-bellbankab0c-prod3ddb-d33b/media/project/bellbank/bellbankcorporate/mortgage/lender-sites/loan-officers/norah-gondeck/norah-gondeck-updated-profile-picture.png?h=108&iar=0&w=108",
        "licensed_states": [
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "FL",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "ND",
          "NE",
          "NM",
          "OK",
          "OR",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA",
          "WI",
          "WY"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "lender_reported"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 43,
        "lender_profile_url": "https://bell.bank/mortgage/loan-officer/norahgondeck",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-26)",
        "SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 43 years of experience (lender page, 2026-10-16)"
      ],
      "canonical_url": "https://lendb.ai/lo/norah-gondeck-341214",
      "license_check": {
        "state": "SD",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-16",
        "source_url": "https://bell.bank/mortgage/loan-officer/norahgondeck"
      },
      "match_status": "exact",
      "matched_specialties": [
        "vacation-home"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 2,
      "score": 50.3,
      "loan_officer": {
        "nmls_id": 462436,
        "slug": "steve-ennis-462436",
        "full_name": "Steve Ennis",
        "licensed_names": [
          {
            "name": "Steven Ennis",
            "name_with_middle_initial": "Steven E. Ennis",
            "first_name": "Steven",
            "middle_initial": "E",
            "last_name": "Ennis",
            "states": [
              "IA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-19"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/steve-ennis-462436",
        "json_url": "https://lendb.ai/lo/steve-ennis-462436.json",
        "lender": {
          "nmls_id": 463950,
          "name": "Plains Commerce Bank",
          "slug": "plains-commerce-bank-463950",
          "canonical_url": "https://lendb.ai/lender/plains-commerce-bank-463950",
          "type": "bank"
        },
        "branch": {
          "city": "Sioux Falls",
          "state": "SD"
        },
        "headshot_url": "https://www.plainscommerce.com/assets/general-uploads/team/_213x213_crop_top-center_none/steve.png",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-01-09",
          "state": "IA"
        },
        "licensed_since": {
          "year": 2023,
          "state": "IA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.plainscommerce.com/community-banking/our-people/steve-ennis",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-26)",
        "Office in Sioux Falls, SD",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: January 9, 2023 (Iowa), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/steve-ennis-462436",
      "license_check": {
        "state": "SD",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-16",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "vacation-home"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 3,
      "score": 41,
      "loan_officer": {
        "nmls_id": 174903,
        "slug": "robyn-kloner-174903",
        "full_name": "Robyn Kloner",
        "canonical_url": "https://lendb.ai/lo/robyn-kloner-174903",
        "json_url": "https://lendb.ai/lo/robyn-kloner-174903.json",
        "lender": {
          "nmls_id": 419538,
          "name": "Bell Bank",
          "slug": "bell-bank-419538",
          "canonical_url": "https://lendb.ai/lender/bell-bank-419538",
          "type": "bank"
        },
        "branch": {
          "city": "Gilbert",
          "state": "AZ"
        },
        "headshot_url": "https://edge.sitecorecloud.io/bellbank1e14e-bellbankab0c-prod3ddb-d33b/media/project/bellbank/bellbankcorporate/mortgage/lender-sites/loan-officers/robyn-kloner/robyn-kloner-profile-picture-2.png?h=108&iar=0&w=108",
        "licensed_states": [
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "FL",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "ND",
          "NE",
          "NM",
          "OK",
          "OR",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA",
          "WI",
          "WY"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "lender_reported"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://bell.bank/mortgage/loan-officer/robynkloner",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-26)",
        "SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/robyn-kloner-174903",
      "license_check": {
        "state": "SD",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-16",
        "source_url": "https://bell.bank/mortgage/loan-officer/robynkloner"
      },
      "match_status": "exact",
      "matched_specialties": [
        "vacation-home"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 4,
      "score": 41,
      "loan_officer": {
        "nmls_id": 839961,
        "slug": "kimberly-allen-839961",
        "full_name": "Kimberly Allen",
        "canonical_url": "https://lendb.ai/lo/kimberly-allen-839961",
        "json_url": "https://lendb.ai/lo/kimberly-allen-839961.json",
        "lender": {
          "nmls_id": 419538,
          "name": "Bell Bank",
          "slug": "bell-bank-419538",
          "canonical_url": "https://lendb.ai/lender/bell-bank-419538",
          "type": "bank"
        },
        "branch": {
          "city": "Woodbury",
          "state": "MN"
        },
        "headshot_url": "https://edge.sitecorecloud.io/bellbank1e14e-bellbankab0c-prod3ddb-d33b/media/project/bellbank/bellbankcorporate/mortgage/lender-sites/loan-officers/kimberly-allen/mrk-8104_web_kimberly_allen_profile-images.png?h=108&iar=0&w=108",
        "licensed_states": [
          "AZ",
          "CO",
          "FL",
          "GA",
          "IA",
          "MT",
          "NC",
          "SD",
          "TN",
          "WI"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "lender_reported"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://bell.bank/mortgage/loan-officer/kimberlyallen",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-26)",
        "SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/kimberly-allen-839961",
      "license_check": {
        "state": "SD",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-16",
        "source_url": "https://bell.bank/mortgage/loan-officer/kimberlyallen"
      },
      "match_status": "exact",
      "matched_specialties": [
        "vacation-home"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 5,
      "score": 41,
      "loan_officer": {
        "nmls_id": 1381070,
        "slug": "kala-wilson-1381070",
        "full_name": "Kala Wilson",
        "canonical_url": "https://lendb.ai/lo/kala-wilson-1381070",
        "json_url": "https://lendb.ai/lo/kala-wilson-1381070.json",
        "lender": {
          "nmls_id": 419538,
          "name": "Bell Bank",
          "slug": "bell-bank-419538",
          "canonical_url": "https://lendb.ai/lender/bell-bank-419538",
          "type": "bank"
        },
        "branch": {
          "city": "Minneapolis",
          "state": "MN"
        },
        "headshot_url": "https://edge.sitecorecloud.io/bellbank1e14e-bellbankab0c-prod3ddb-d33b/media/project/bellbank/bellbankcorporate/mortgage/lender-sites/loan-officers/kala-wilson/kala-wilson-website-profile-picture.png?h=108&iar=0&w=108",
        "licensed_states": [
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "FL",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "ND",
          "NE",
          "NM",
          "OK",
          "OR",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA",
          "WI",
          "WY"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "lender_reported"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://bell.bank/mortgage/loan-officer/kalabringsyouhome",
        "disciplinary_check": "not_checked"
      },
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        "Lists Vacation home on lender page (lender page, verified 2026-10-26)",
        "SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/kala-wilson-1381070",
      "license_check": {
        "state": "SD",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-16",
        "source_url": "https://bell.bank/mortgage/loan-officer/kalabringsyouhome"
      },
      "match_status": "exact",
      "matched_specialties": [
        "vacation-home"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 6,
      "score": 35.9,
      "loan_officer": {
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        "slug": "robert-kinsey-1938446",
        "full_name": "Luke Kinsey",
        "licensed_names": [
          {
            "name": "Robert Kinsey",
            "name_with_middle_initial": "Robert L. Kinsey",
            "first_name": "Robert",
            "middle_initial": "L",
            "last_name": "Kinsey",
            "states": [
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/robert-kinsey-1938446",
        "json_url": "https://lendb.ai/lo/robert-kinsey-1938446.json",
        "lender": {
          "nmls_id": 2364254,
          "name": "Three Point Mortgage LLC",
          "slug": "three-point-mortgage-llc-2364254",
          "canonical_url": "https://lendb.ai/lender/three-point-mortgage-llc-2364254",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://images.squarespace-cdn.com/content/v1/673cdd703c36ec6e0d4c0946/eba43ee9-2eea-42e9-b59f-4f3f4359bdee/Luke.jpg",
        "licensed_states": [
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          "CO",
          "SD",
          "TX"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
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        "earliest_license_record": {
          "date": "2020-03-24",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 6,
        "lender_profile_url": "https://www.threepointmortgage.com/luke-kinsey",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-26)",
        "SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 24, 2020 (Florida), per state regulator",
        "States 6 years of experience (lender page, 2026-10-15)"
      ],
      "canonical_url": "https://lendb.ai/lo/robert-kinsey-1938446",
      "license_check": {
        "state": "SD",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://www.threepointmortgage.com/luke-kinsey"
      },
      "match_status": "exact",
      "matched_specialties": [
        "vacation-home"
      ],
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      "match_level": "officer"
    }
  ]
}