{
  "canonical_url": "https://lendb.ai/lo/josie-ramirez-988223",
  "loan_officer": {
    "nmls_id": 988223,
    "slug": "josie-ramirez-988223",
    "canonical_url": "https://lendb.ai/lo/josie-ramirez-988223",
    "md_url": "https://lendb.ai/lo/josie-ramirez-988223.md",
    "json_url": "https://lendb.ai/lo/josie-ramirez-988223.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/988223",
    "full_name": {
      "value": "Josie Ramirez",
      "source": "lender_site",
      "source_url": "https://bankers.firstcitizens.com/mortgage/ca/san-mateo/josie-ramirez",
      "verified_at": "2026-10-09"
    },
    "first_name": "Josie",
    "last_name": "Ramirez",
    "headshot_url": {
      "value": "https://dynl.mktgcdn.com/p/aM0g_ixETx8mbT4Anux8dFQqX7-PJzz4cmDayO3Wyu4/196x196.jpg",
      "source": "lender_site",
      "source_url": "https://bankers.firstcitizens.com/mortgage/ca/san-mateo/josie-ramirez",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Josie has 30+ years combined experience with nonprofits and financial institutions, with 17 years in CRA residential lending. She specializes in affordable homeownership opportunities for underserved households.",
      "source": "lender_site",
      "source_url": "https://bankers.firstcitizens.com/mortgage/ca/san-mateo/josie-ramirez",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Managing Director, CA CRA Residential Lending",
      "source": "lender_site",
      "source_url": "https://bankers.firstcitizens.com/mortgage/ca/san-mateo/josie-ramirez",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://bankers.firstcitizens.com/mortgage/ca/san-mateo/josie-ramirez",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 503941,
      "lender_name": "First Citizens Bank",
      "lender_slug": "first-citizens-bank-503941",
      "branch_city": "San Mateo",
      "branch_state": "CA",
      "branch_zip": "94402",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/san-mateo/josie-ramirez",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://bankers.firstcitizens.com/mortgage/ca/san-mateo/josie-ramirez",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 503941,
        "lender_name": "First Citizens Bank",
        "lender_slug": "first-citizens-bank-503941",
        "branch_city": "San Mateo",
        "branch_state": "CA",
        "branch_zip": "94402",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/san-mateo/josie-ramirez",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/ca/san-mateo/josie-ramirez",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "30+",
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/ca/san-mateo/josie-ramirez",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Managing Director for California CRA Residential Lending",
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/ca/san-mateo/josie-ramirez",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "Santa Clara University and San Jose State University",
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/ca/san-mateo/josie-ramirez",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 09:38:50.466375+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/josie-ramirez-988223#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://bankers.firstcitizens.com/mortgage/ca/san-mateo/josie-ramirez",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}