What Verdica's 796 score means for DAVID WAYNE WHITMAN
A composite score of 796 places DAVID WAYNE WHITMAN in the "excellent" band (800–850 range is the target; 740–799 is "strong"). This score reflects compliance and operational data drawn from state licensing records, federal consumer protection databases, and HUD enforcement files.
For a real estate provider, a score in this range signals low regulatory risk and a clean compliance record relative to industry peers. It does not mean the provider is flawless—no score of 796 out of 850 is perfect—but it indicates that regulators and third-party oversight bodies have not flagged material violations, unresolved complaints, or licensing suspensions. A reader considering this provider should view the score as a green flag on the compliance and complaint side, but should still independently verify credentials, references, and service terms before engagement.
How the sub-scores break down
License & Compliance: 850/850 This perfect sub-score indicates that state licensing records show no active violations, lapses, or disciplinary actions on file. In real estate, this dimension tracks whether an agent or broker holds current, unrestricted licensure; whether they have completed required continuing education; and whether state regulators have issued citations, fines, or consent orders. A score of 850 is the highest possible, meaning the underlying state licensing data contains no red flags.
Complaints: 800/850 This sub-score reflects complaint data from federal consumer protection sources (primarily CFPB and HUD). A score of 800 indicates a very low complaint volume or a clean complaint resolution record. In real estate, regulators track complaints about fraud, misrepresentation, discrimination, failure to disclose, and breach of fiduciary duty. A near-perfect score suggests either very few complaints filed or successful resolution of any complaints that were raised. The slight gap from 850 (rather than a perfect score) may reflect historical complaints that were resolved, minor unsubstantiated claims, or data reporting lags.
Business Profile: 705/850 This sub-score is the lowest of the three and falls into the "acceptable" range. The Business Profile dimension typically incorporates operational history, entity status, and consistency of licensing records across jurisdictions. A score of 705 is still solidly above the "elevated risk" threshold (580–669) but suggests some friction in the data: for example, a shorter operating history, a single-state license when multi-state operation might be expected, or minor administrative inconsistencies. This is not a warning sign, but it indicates less established market presence than the compliance and complaints metrics alone would suggest.
What regulators track for real estate providers
State licensing commissions maintain records of all licensed real estate agents and brokers, including disciplinary history, education completion, and license status. They investigate complaints of fraud, misrepresentation, and violations of the Real Estate Settlement Procedures Act (RESPA) and Fair Housing Act (FHA).
The Consumer Financial Protection Bureau (CFPB) tracks mortgage and lending-related complaints, including issues with disclosure, loan terms, and servicing practices. Although the CFPB's scope is primarily financial services, real estate providers who originate or service loans fall within this oversight.
HUD (U.S. Department of Housing and Urban Development) enforces fair housing law and investigates discrimination claims. HUD also oversees mortgage fraud and settlement practices in some contexts. Violations tracked include discriminatory lending, steering, and blockbusting.
Verdica synthesizes data across these sources to produce a composite risk score. Factors that lower a score include unresolved complaints, licensing suspensions, disciplinary actions, discrimination findings, and fraud allegations. Factors that raise a score include clean licensing history, rapid complaint resolution, and absence of regulatory action.
Bottom line
DAVID WAYNE WHITMAN's score of 796 reflects strong compliance and complaint management. Before engaging, a consumer or business owner should independently verify license status via the state licensing board, ask for references, and request a clear written scope of services and fee structure—standard due diligence regardless of Verdica score.