{
  "canonical_url": "https://lendb.ai/lo/jacques-souverain-1417035",
  "lede": {
    "text": "Jacques Souverain (NMLS 1417035) is a Loan Officer at Ram Mortgage, LLC in Charlotte, North Carolina, licensed in Florida since 2016.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Jacques licensed in Florida?",
      "a": "Yes. Florida regulator records list license LO37038 as active, first effective September 30, 2016 (verified 2026-10-15).",
      "fields": [
        "licenses"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
      "verified_at": "2026-10-15"
    },
    {
      "q": "What lender does Jacques work for?",
      "a": "Ram Mortgage, LLC, company NMLS 2301828, from the Charlotte, NC office, per the lender's own site (verified 2026-10-21).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.rammtg.com/jacques-souverain",
      "verified_at": "2026-10-21"
    },
    {
      "q": "How long has Jacques been licensed?",
      "a": "The earliest state license record LenDb holds for Jacques is from September 30, 2016 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
      "verified_at": "2026-10-15"
    }
  ],
  "field_notes": {
    "languages": "Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it."
  },
  "loan_officer": {
    "nmls_id": 1417035,
    "slug": "jacques-souverain-1417035",
    "canonical_url": "https://lendb.ai/lo/jacques-souverain-1417035",
    "md_url": "https://lendb.ai/lo/jacques-souverain-1417035.md",
    "json_url": "https://lendb.ai/lo/jacques-souverain-1417035.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1417035",
    "full_name": {
      "value": "Jacques Souverain",
      "source": "lender_site",
      "source_url": "https://www.rammtg.com/jacques-souverain",
      "verified_at": "2026-10-21"
    },
    "first_name": "Jacques",
    "last_name": "Souverain",
    "licensed_names": [
      {
        "name": "Jacques Souverain",
        "name_with_middle_initial": "Jacques D. Souverain",
        "first_name": "Jacques",
        "middle_initial": "D",
        "last_name": "Souverain",
        "states": [
          "FL"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-09"
      }
    ],
    "headshot_url": {
      "value": "https://kwzoucopgdlhuiaryyuy.supabase.co/storage/v1/object/sign/staff-photos/loan-officers/jacques-souverain.png?token=eyJraWQiOiJzdG9yYWdlLXVybC1zaWduaW5nLWtleV8xYzhmYzcyNS1kZTY0LTQwZWEtYjI2Yy1hMzEyZjNlZjViN2IiLCJhbGciOiJIUzI1NiJ9.eyJ1cmwiOiJzdGFmZi1waG90b3MvbG9hbi1vZmZpY2Vycy9qYWNxdWVzLXNvdXZlcmFpbi5wbmciLCJzY29wZSI6ImRvd25sb2FkIiwiaWF0IjoxNzgzMzU4Mzg3LCJleHAiOjIwOTg3MTgzODd9.SCnVkheqfWjUEFTH9caeYP4VPnV-ujgqPD3N-eYNnlY",
      "source": "lender_site",
      "source_url": "https://www.rammtg.com/jacques-souverain",
      "verified_at": "2026-10-21"
    },
    "bio": null,
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.rammtg.com/jacques-souverain",
      "verified_at": "2026-10-21"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.rammtg.com/jacques-souverain",
      "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/jacques-souverain",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.rammtg.com/jacques-souverain",
      "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/jacques-souverain",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.rammtg.com/jacques-souverain",
        "verified_at": "2026-10-21"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO37038",
        "status": "active",
        "issued_at": "2016-09-30",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-21",
    "updated_at": "2026-10-21 14:55:02.363714+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/jacques-souverain-1417035#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/jacques-souverain",
      "verified_at": "2026-10-21"
    },
    "earliest_license_record": {
      "date": "2016-09-30",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2016,
      "state": "FL"
    },
    "federal_registration": null
  }
}