{
  "canonical_url": "https://lendb.ai/lo/joseph-picozzi-5957",
  "loan_officer": {
    "nmls_id": 5957,
    "slug": "joseph-picozzi-5957",
    "canonical_url": "https://lendb.ai/lo/joseph-picozzi-5957",
    "md_url": "https://lendb.ai/lo/joseph-picozzi-5957.md",
    "json_url": "https://lendb.ai/lo/joseph-picozzi-5957.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/5957",
    "full_name": {
      "value": "Joseph Picozzi",
      "source": "lender_site",
      "source_url": "https://www.washtrust.com/application/joepicozzi",
      "verified_at": "2026-10-26"
    },
    "first_name": "Joseph",
    "last_name": "Picozzi",
    "licensed_names": [
      {
        "name": "Joseph Picozzi",
        "name_with_middle_initial": "Joseph A. Picozzi",
        "first_name": "Joseph",
        "middle_initial": "A",
        "last_name": "Picozzi",
        "states": [
          "FL"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-09"
      }
    ],
    "headshot_url": {
      "value": "https://stdidwashtrustprod.blob.core.windows.net/washtrust/images/staff/_wide/Picozzi-600x712.jpg",
      "source": "lender_site",
      "source_url": "https://www.washtrust.com/application/joepicozzi",
      "verified_at": "2026-10-26"
    },
    "bio": {
      "value": "Joseph Picozzi is a Mortgage Lending Officer in Washington Trust's Johnston, RI branch office. They have more than 20 years of experience in the mortgage industry. Their profile says they specialize in conventional mortgage loans and more complex lending needs.",
      "source": "lender_site",
      "source_url": "https://www.washtrust.com/application/joepicozzi",
      "verified_at": "2026-10-26"
    },
    "title": {
      "value": "Mortgage Lending Officer",
      "source": "lender_site",
      "source_url": "https://www.washtrust.com/application/joepicozzi",
      "verified_at": "2026-10-26"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.washtrust.com/application/joepicozzi",
      "verified_at": "2026-10-26"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 20,
      "source": "lender_site",
      "source_url": "https://www.washtrust.com/application/joepicozzi",
      "verified_at": "2026-10-26"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 414726,
      "lender_name": "The Washington Trust Company, of Westerly",
      "lender_slug": "the-washington-trust-company-of-westerly-414726",
      "branch_city": "Johnston",
      "branch_state": "RI",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.washtrust.com/application/joepicozzi",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.washtrust.com/application/joepicozzi",
      "verified_at": "2026-10-26"
    },
    "employment_history": [
      {
        "lender_nmls_id": 414726,
        "lender_name": "The Washington Trust Company, of Westerly",
        "lender_slug": "the-washington-trust-company-of-westerly-414726",
        "branch_city": "Johnston",
        "branch_state": "RI",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.washtrust.com/application/joepicozzi",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.washtrust.com/application/joepicozzi",
        "verified_at": "2026-10-26"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO38121",
        "status": "expired",
        "issued_at": "2017-01-10",
        "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": "NY",
        "license_type": "state_license",
        "license_number": null,
        "status": "expired",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.dfs.ny.gov/",
        "verified_at": "2026-10-14",
        "confidence": "confirmed",
        "regulator": "ny"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "20",
        "source": "lender_site",
        "source_url": "https://www.washtrust.com/application/joepicozzi",
        "verified_at": "2026-10-26"
      }
    ],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-26 13:34:04.448003+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/joseph-picozzi-5957#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.washtrust.com/application/joepicozzi",
      "verified_at": "2026-10-26"
    },
    "earliest_license_record": {
      "date": "2017-01-10",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2017,
      "state": "FL"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}