{
  "canonical_url": "https://lendb.ai/lo/james-wilson-1377159",
  "lede": {
    "text": "James Wilson (NMLS 1377159) is an Executive Loan Officer at INDEPENDENCE HOME LOANS LLC, licensed in Florida since 2025 and in Connecticut, Delaware, Arkansas and 6 more states. James's own profile lists down payment assistance as a focus.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is James licensed in Florida?",
      "a": "Yes. Florida regulator records list license LO142665 as active, first effective November 12, 2025 (verified 2026-10-15). LenDb has 9 other states on file for James.",
      "fields": [
        "licenses"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
      "verified_at": "2026-10-15"
    },
    {
      "q": "Does James do down payment assistance?",
      "a": "James's profile lists down payment assistance as a focus (from their lender profile page).",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://independencehl.com/james-wilson/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does James work for?",
      "a": "INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://independencehl.com/james-wilson/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has James been licensed?",
      "a": "The earliest state license record LenDb holds for James is from November 12, 2025 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. James states 10 years of experience.",
      "fields": [
        "earliest_license_record",
        "years_experience"
      ],
      "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": 1377159,
    "slug": "james-wilson-1377159",
    "canonical_url": "https://lendb.ai/lo/james-wilson-1377159",
    "md_url": "https://lendb.ai/lo/james-wilson-1377159.md",
    "json_url": "https://lendb.ai/lo/james-wilson-1377159.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1377159",
    "full_name": {
      "value": "James Wilson",
      "source": "lender_site",
      "source_url": "https://independencehl.com/james-wilson/",
      "verified_at": "2026-10-15"
    },
    "first_name": "James",
    "last_name": "Wilson",
    "licensed_names": [
      {
        "name": "James Wilson",
        "name_with_middle_initial": "James R. Wilson",
        "first_name": "James",
        "middle_initial": "R",
        "last_name": "Wilson",
        "states": [
          "AR",
          "CA",
          "CT",
          "DE",
          "FL",
          "IA",
          "MD",
          "NV",
          "OR"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-30"
      }
    ],
    "headshot_url": {
      "value": "https://independencehl.com/wp-content/uploads/2025/08/JamesWilsonWebsite-350x350.png",
      "source": "lender_site",
      "source_url": "https://independencehl.com/james-wilson/",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Executive Loan Officer",
      "source": "lender_site",
      "source_url": "https://independencehl.com/james-wilson/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://independencehl.com/james-wilson/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 10,
      "source": "lender_site",
      "source_url": "https://independencehl.com/james-wilson/",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 2524174,
      "lender_name": "INDEPENDENCE HOME LOANS LLC",
      "lender_slug": "independence-home-loans-llc-2524174",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://independencehl.com/james-wilson/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://independencehl.com/james-wilson/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2524174,
        "lender_name": "INDEPENDENCE HOME LOANS LLC",
        "lender_slug": "independence-home-loans-llc-2524174",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://independencehl.com/james-wilson/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://independencehl.com/james-wilson/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO142665",
        "status": "active",
        "issued_at": "2025-11-12",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "CT",
        "license_type": "state_license",
        "license_number": "LO-1377159",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "ct"
      },
      {
        "state": "DE",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/",
        "verified_at": "2026-10-30",
        "confidence": "confirmed",
        "regulator": "de"
      },
      {
        "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": "IA",
        "license_type": "state_license",
        "license_number": "57472",
        "status": "active",
        "issued_at": "2026-06-02",
        "source": "state_regulator",
        "source_url": "https://idob.iowa.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ia"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2025-12-24",
        "source": "state_regulator",
        "source_url": "https://dfr.oregon.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "or"
      },
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "1377159",
        "status": "active",
        "issued_at": "2026-06-03",
        "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-DFPI1377159",
        "status": "active",
        "issued_at": "2025-12-17",
        "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": "MD",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.labor.maryland.gov/finance/",
        "verified_at": "2026-10-26",
        "confidence": "confirmed",
        "regulator": "md"
      },
      {
        "state": "NV",
        "license_type": "state_license",
        "license_number": "NMLO-166380",
        "status": "active",
        "issued_at": "2026-05-04",
        "source": "state_regulator",
        "source_url": "https://mld.nv.gov/",
        "verified_at": "2026-10-31",
        "confidence": "confirmed",
        "regulator": "nv"
      }
    ],
    "specialties": [
      {
        "slug": "down-payment-assistance",
        "label": "Down payment assistance",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://independencehl.com/james-wilson/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "10",
        "source": "lender_site",
        "source_url": "https://independencehl.com/james-wilson/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "education",
        "value": "Bellevue University, Omaha, Nebraska",
        "source": "lender_site",
        "source_url": "https://independencehl.com/james-wilson/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "role",
        "value": "team leader",
        "source": "lender_site",
        "source_url": "https://independencehl.com/james-wilson/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "community",
        "value": "church usher and volunteer",
        "source": "lender_site",
        "source_url": "https://independencehl.com/james-wilson/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-31",
    "updated_at": "2026-10-31 20:06:23.660637+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/james-wilson-1377159#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://independencehl.com/james-wilson/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2025-11-12",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2025,
      "state": "FL"
    },
    "federal_registration": null
  }
}