{
  "canonical_url": "https://lendb.ai/lo/joshua-stedman-271259",
  "loan_officer": {
    "nmls_id": 271259,
    "slug": "joshua-stedman-271259",
    "canonical_url": "https://lendb.ai/lo/joshua-stedman-271259",
    "md_url": "https://lendb.ai/lo/joshua-stedman-271259.md",
    "json_url": "https://lendb.ai/lo/joshua-stedman-271259.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/271259",
    "full_name": {
      "value": "Josh Stedman",
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Josh",
    "last_name": "Stedman",
    "licensed_names": [
      {
        "name": "Joshua Stedman",
        "name_with_middle_initial": "Joshua R. Stedman",
        "first_name": "Joshua",
        "middle_initial": "R",
        "last_name": "Stedman",
        "states": [
          "FL"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-09"
      },
      {
        "name": "Joshua Stedman",
        "name_with_middle_initial": null,
        "first_name": "Joshua",
        "middle_initial": null,
        "last_name": "Stedman",
        "states": [
          "WI"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-21"
      }
    ],
    "headshot_url": {
      "value": "https://www.bankfivenine.com/wp-content/uploads/2024/04/Bank59-Josh-Stedman-0424-websquare-removebg-preview-1.png",
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Josh Stedman has 15 years in the financial services industry. Their profile lists FHA, VA, USDA, conventional, construction and land loans as specialties. They enjoy coaching their son's football team.",
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Mortgage Lender",
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 15,
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
      "verified_at": "2026-10-16"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 410817,
      "lender_name": "Bank Five Nine",
      "lender_slug": "bank-five-nine-410817",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 410817,
        "lender_name": "Bank Five Nine",
        "lender_slug": "bank-five-nine-410817",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO77962",
        "status": "expired",
        "issued_at": "2020-12-01",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "271259",
        "status": "expired",
        "issued_at": "2010-06-01",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      }
    ],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "construction",
        "label": "Construction loan",
        "evidence": "lender_page_text",
        "confidence": 0.75,
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "15",
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-21 19:32:54.919199+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/joshua-stedman-271259#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://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": {
      "date": "2010-06-01",
      "state": "WI"
    },
    "licensed_since": {
      "year": 2010,
      "state": "WI"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}