{
  "canonical_url": "https://lendb.ai/lo/josef-quiroz-342874",
  "loan_officer": {
    "nmls_id": 342874,
    "slug": "josef-quiroz-342874",
    "canonical_url": "https://lendb.ai/lo/josef-quiroz-342874",
    "md_url": "https://lendb.ai/lo/josef-quiroz-342874.md",
    "json_url": "https://lendb.ai/lo/josef-quiroz-342874.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/342874",
    "full_name": {
      "value": "Josef Quiroz",
      "source": "state_regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    "first_name": "Josef",
    "last_name": "Quiroz",
    "licensed_names": [
      {
        "name": "Josef Quiroz",
        "name_with_middle_initial": "Josef N. Quiroz",
        "first_name": "Josef",
        "middle_initial": "N",
        "last_name": "Quiroz",
        "states": [
          "AR",
          "CA",
          "FL",
          "NV",
          "TX"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-28"
      }
    ],
    "headshot_url": null,
    "bio": null,
    "title": null,
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 0,
    "current_employment": {
      "lender_nmls_id": 1660690,
      "lender_name": "NEXA Mortgage",
      "lender_slug": "nexa-mortgage-1660690",
      "branch_city": "Destin",
      "branch_state": "FL",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": null,
      "lender_type": "broker",
      "source": "state_regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1660690,
        "lender_name": "NEXA Mortgage",
        "lender_slug": "nexa-mortgage-1660690",
        "branch_city": "Destin",
        "branch_state": "FL",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": null,
        "lender_type": "broker",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO30984",
        "status": "active",
        "issued_at": "2015-08-04",
        "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": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2024-03-14",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      },
      {
        "state": "AR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://securities.arkansas.gov/loans/nmls/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ar"
      },
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "342874",
        "status": "expired",
        "issued_at": "2024-09-25",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DOC342874",
        "status": "active",
        "issued_at": "2012-02-28",
        "source": "state_regulator",
        "source_url": "https://dfpi.ca.gov/",
        "verified_at": "2026-10-24",
        "confidence": "confirmed",
        "regulator": "ca_dfpi",
        "regulator_name": "California Department of Financial Protection and Innovation"
      },
      {
        "state": "NV",
        "license_type": "state_license",
        "license_number": "NMLO-1201810",
        "status": "active",
        "issued_at": "2024-04-03",
        "source": "state_regulator",
        "source_url": "https://mld.nv.gov/",
        "verified_at": "2026-10-31",
        "confidence": "confirmed",
        "regulator": "nv"
      }
    ],
    "specialties": [],
    "lender_offers": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "lender_nmls_id": 1660690,
        "lender_name": "NEXA Mortgage",
        "source": "manual",
        "source_url": "https://nexamortgage.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "lender_nmls_id": 1660690,
        "lender_name": "NEXA Mortgage",
        "source": "manual",
        "source_url": "https://nexamortgage.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "lender_nmls_id": 1660690,
        "lender_name": "NEXA Mortgage",
        "source": "manual",
        "source_url": "https://nexamortgage.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "lender_nmls_id": 1660690,
        "lender_name": "NEXA Mortgage",
        "source": "manual",
        "source_url": "https://nexamortgage.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "lender_nmls_id": 1660690,
        "lender_name": "NEXA Mortgage",
        "source": "manual",
        "source_url": "https://nexamortgage.com",
        "verified_at": "2026-10-08"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "lender_nmls_id": 1660690,
        "lender_name": "NEXA Mortgage",
        "source": "manual",
        "source_url": "https://nexamortgage.com",
        "verified_at": "2026-10-08"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-31",
    "updated_at": "2026-10-31 20:06:23.660637+00",
    "disciplinary_check": "not_checked",
    "gated_contact": null,
    "earliest_license_record": {
      "date": "2012-02-28",
      "state": "CA"
    },
    "licensed_since": {
      "year": 2012,
      "state": "CA"
    },
    "federal_registration": null
  }
}