--- canonical_url: https://lendb.ai/lo/joan-santiago-350570 json_url: https://lendb.ai/lo/joan-santiago-350570.json nmls_id: 350570 last_verified: 2026-10-15 --- # Joan M. Santiago Mortgage Loan Originator at Trident Home Loans, Pensacola, FL. NMLS ID 350570 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/350570)). Joan M. Santiago (NMLS 350570) is a Mortgage Loan Originator at Trident Home Loans in Pensacola, Florida, licensed in Florida since 2011. **Summary:** Joan M. Santiago (NMLS 350570) is Mortgage Loan Originator at Trident Home Loans, based in Pensacola, FL. Licensed in Florida, confirmed with the state regulator (license LO4388). Also lists Alabama and Georgia on the lender page (not yet checked with the state regulator). Trident Home Loans also offers Condo, Construction loan, FHA loan, Real estate investor and Jumbo loan and 5 more (a lender program, not confirmed as their own focus). Earliest state license record: March 22, 2011 (Florida), per state regulator. Last verified 2026-10-15. ## Quick answers ### Is Joan licensed in Florida? Yes. Florida regulator records list license LO4388 as active, first effective March 22, 2011 (verified 2026-10-15). LenDb has 2 other states on file for Joan. Source: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip. ### What lender does Joan work for? Trident Home Loans, company NMLS 65716, from the Pensacola, FL office, per the lender's own site (verified 2026-10-15). Source: https://tridenthomeloans.com/joan-santiago/. ### How long has Joan been licensed? The earliest state license record LenDb holds for Joan is from March 22, 2011 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip. ## At a glance - Earliest state license record: March 22, 2011 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), Georgia (GA, lender_reported) - License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer. - Languages: not listed (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.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - None on file yet. ### Their lender offers (lender level: Trident Home Loans's programs, not confirmed as this person's focus) - **Condo** (`condo`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Construction loan** (`construction`): verified 2026-10-15. Source: https://tridenthomeloans.com - **FHA loan** (`fha`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Real estate investor** (`investor`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Jumbo loan** (`jumbo`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Low credit score** (`low-credit`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-15. Source: https://tridenthomeloans.com - **USDA loan** (`usda`): verified 2026-10-15. Source: https://tridenthomeloans.com - **VA loan** (`va`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Vacation home** (`vacation-home`): verified 2026-10-15. Source: https://tridenthomeloans.com ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO4388 | active | confirmed | 2011-03-22 | state_regulator | 2026-10-15 | | AL | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | GA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | ## Employment history - ? to present: Trident Home Loans (NMLS 65716), Pensacola, FL. Source: https://tridenthomeloans.com/joan-santiago/, verified 2026-10-15. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/350570 ## Contact - View profile at Trident Home Loans: https://tridenthomeloans.com/joan-santiago/ - Office phone and Email on file: shown at https://lendb.ai/lo/joan-santiago-350570#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/350570 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip - lender_site: https://tridenthomeloans.com/joan-santiago/ - lender_site (lender programs): https://tridenthomeloans.com Cite as: Joan M. Santiago (NMLS 350570), Trident Home Loans. LenDb.ai, https://lendb.ai/lo/joan-santiago-350570, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._