{
  "canonical_url": "https://lendb.ai/lo/joseph-lyons-2781016",
  "loan_officer": {
    "nmls_id": 2781016,
    "slug": "joseph-lyons-2781016",
    "canonical_url": "https://lendb.ai/lo/joseph-lyons-2781016",
    "md_url": "https://lendb.ai/lo/joseph-lyons-2781016.md",
    "json_url": "https://lendb.ai/lo/joseph-lyons-2781016.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2781016",
    "full_name": {
      "value": "Joseph Branum Lyons",
      "source": "lender_site",
      "source_url": "https://www.rammtg.com/joseph-lyons",
      "verified_at": "2026-10-21"
    },
    "first_name": "Joseph",
    "last_name": "Lyons",
    "headshot_url": {
      "value": "https://kwzoucopgdlhuiaryyuy.supabase.co/storage/v1/object/sign/staff-photos/loan-officers/joseph-branum-lyons.png?token=eyJraWQiOiJzdG9yYWdlLXVybC1zaWduaW5nLWtleV8xYzhmYzcyNS1kZTY0LTQwZWEtYjI2Yy1hMzEyZjNlZjViN2IiLCJhbGciOiJIUzI1NiJ9.eyJ1cmwiOiJzdGFmZi1waG90b3MvbG9hbi1vZmZpY2Vycy9qb3NlcGgtYnJhbnVtLWx5b25zLnBuZyIsInNjb3BlIjoiZG93bmxvYWQiLCJpYXQiOjE3ODM1OTkxNzcsImV4cCI6MjA5ODk1OTE3N30.x8qY_U7sh9NFK9ejnOHK_k58EhOX7lXuVjA1shUpHe0",
      "source": "lender_site",
      "source_url": "https://www.rammtg.com/joseph-lyons",
      "verified_at": "2026-10-21"
    },
    "bio": null,
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.rammtg.com/joseph-lyons",
      "verified_at": "2026-10-21"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.rammtg.com/joseph-lyons",
      "verified_at": "2026-10-21"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 2301828,
      "lender_name": "Ram Mortgage, LLC",
      "lender_slug": "ram-mortgage-llc-2301828",
      "branch_city": "Charlotte",
      "branch_state": "NC",
      "branch_zip": "28277",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.rammtg.com/joseph-lyons",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.rammtg.com/joseph-lyons",
      "verified_at": "2026-10-21"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2301828,
        "lender_name": "Ram Mortgage, LLC",
        "lender_slug": "ram-mortgage-llc-2301828",
        "branch_city": "Charlotte",
        "branch_state": "NC",
        "branch_zip": "28277",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.rammtg.com/joseph-lyons",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.rammtg.com/joseph-lyons",
        "verified_at": "2026-10-21"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO144066",
        "status": "active",
        "issued_at": "2026-01-12",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": "100544281",
        "status": "active",
        "issued_at": "2026-01-27",
        "source": "state_regulator",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=349561&contact=584416",
        "verified_at": "2026-10-16",
        "confidence": "confirmed",
        "regulator": "co"
      },
      {
        "state": "AL",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.rammtg.com/joseph-lyons",
        "verified_at": "2026-10-21",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-21",
    "updated_at": "2026-10-21 14:59:37.890732+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/joseph-lyons-2781016#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.rammtg.com/joseph-lyons",
      "verified_at": "2026-10-21"
    },
    "earliest_license_record": {
      "date": "2026-01-12",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2026,
      "state": "FL"
    },
    "federal_registration": null
  }
}