STATE OF CALIFORNIA
DEPARTMENT OF REAL ESTATE

In reviewing a licensee's information, please be aware that license discipline information may have been removed from a licensee's record pursuant to Business & Professions Code Section 10083.2 (c). However, discipline information may be available from the California Department of Real Estate upon submittal of a request, or by calling the Department's public information line at 1-877-373-4542.
The license information shown below represents public information. It will not reflect pending licensing changes which are being reviewed for subsequent updating. Although the business and mailing addresses of real estate licensees are included, this information is not intended for mass mailing purposes.
Some historical disciplinary action documents may not be in compliance with certain accessibility functions. For assistance with these documents, please contact the Department's Licensing Flag Section.

License information taken from records of the Department of Real Estate on 11/25/2025 9:17:01 PM

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License Type:	SALESPERSON
Name:	Zoppoth, Michael S
Mailing Address:	345 TWIN PEAKS BLVD SAN FRANCISCO, CA 94114
License ID:	01322530
Expiration Date:	10/29/29
License Status:	LICENSED
MLO License Endorsement:	NMLS ID: 237295 (Click here to check the status of the MLO License Endorsement )
Salesperson License Issued:	10/30/01
Former Name(s):	Rutledge, Michael S
Responsible Broker:	License ID: 01874818 Pacific Bay Lending, Inc. 121 PAUL DR STE D SAN RAFAEL, CA 94903
Comment:	NO DISCIPLINARY ACTION
	NO OTHER PUBLIC COMMENTS
	>>>> Public information request complete <<<<