{
  "canonical_url": "https://lendb.ai/lo/ramon-duran-333577",
  "loan_officer": {
    "nmls_id": 333577,
    "slug": "ramon-duran-333577",
    "canonical_url": "https://lendb.ai/lo/ramon-duran-333577",
    "md_url": "https://lendb.ai/lo/ramon-duran-333577.md",
    "json_url": "https://lendb.ai/lo/ramon-duran-333577.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/333577",
    "full_name": {
      "value": "Ray Duran",
      "source": "lender_site",
      "source_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Ray",
    "last_name": "Duran",
    "headshot_url": null,
    "bio": {
      "value": "Ray Duran is a regional sales manager with Quontic Bank's loan production office in Miami, with more than 25 years in mortgage banking. They say they specialize in foreign national mortgages and jumbo loans. They live in Miami with two daughters.",
      "source": "lender_site",
      "source_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "VP/Senior Mortgage Lending Officer",
      "source": "lender_site",
      "source_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 25,
      "source": "lender_site",
      "source_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
      "verified_at": "2026-10-16"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 403503,
      "lender_name": "Quontic Bank",
      "lender_slug": "quontic-bank-403503",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 403503,
        "lender_name": "Quontic Bank",
        "lender_slug": "quontic-bank-403503",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO12146",
        "status": "active",
        "issued_at": "2011-11-07",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      }
    ],
    "specialties": [
      {
        "slug": "foreign-national",
        "label": "Foreign national",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "25",
        "source": "lender_site",
        "source_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "role",
        "value": "regional sales manager",
        "source": "lender_site",
        "source_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "service_area",
        "value": "all 50 states",
        "source": "lender_site",
        "source_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 13:59:30.428454+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/ramon-duran-333577#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.quontic.com/help/loan-officers/ray-duran/",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": {
      "date": "2011-11-07",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2011,
      "state": "FL"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}