{
  "canonical_url": "https://lendb.ai/lo/jon-hubbard-1214637",
  "lede": {
    "text": "Jon Hubbard (NMLS 1214637) is a Mortgage Lender at Bank Five Nine. Jon's focus, from their own profile, includes real estate investor and vacation home.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Jon licensed?",
      "a": "Jon works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access.",
      "fields": [
        "federal_registration",
        "current_employment"
      ],
      "source": "employer type in LenDb's lender registry",
      "source_url": null,
      "verified_at": "2026-10-16"
    },
    {
      "q": "Does Jon list real estate investor as a focus?",
      "a": "Jon's profile lists real estate investor as a focus (from their lender profile page). It also lists vacation home.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/jonhubbard/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Jon work for?",
      "a": "Bank Five Nine, company NMLS 410817, per the lender's own site (verified 2026-10-16).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/jonhubbard/",
      "verified_at": "2026-10-16"
    },
    {
      "q": "How long has Jon been licensed?",
      "a": "The earliest state license record LenDb holds for Jon is from July 21, 2016 (Wisconsin regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Jon states 16 years of experience.",
      "fields": [
        "earliest_license_record",
        "years_experience"
      ],
      "source": "Wisconsin state regulator",
      "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
      "verified_at": "2026-10-21"
    }
  ],
  "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": 1214637,
    "slug": "jon-hubbard-1214637",
    "canonical_url": "https://lendb.ai/lo/jon-hubbard-1214637",
    "md_url": "https://lendb.ai/lo/jon-hubbard-1214637.md",
    "json_url": "https://lendb.ai/lo/jon-hubbard-1214637.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1214637",
    "full_name": {
      "value": "Jon Hubbard",
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/jonhubbard/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Jon",
    "last_name": "Hubbard",
    "licensed_names": [
      {
        "name": "Jonathan Hubbard",
        "name_with_middle_initial": null,
        "first_name": "Jonathan",
        "middle_initial": null,
        "last_name": "Hubbard",
        "states": [
          "WI"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-21"
      }
    ],
    "headshot_url": {
      "value": "https://www.bankfivenine.com/wp-content/uploads/2026/05/Headshot_Jon-Hubbard_red-bg-e1777649015767.jpg",
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/jonhubbard/",
      "verified_at": "2026-10-16"
    },
    "bio": null,
    "title": {
      "value": "Mortgage Lender",
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/jonhubbard/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/jonhubbard/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 16,
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/jonhubbard/",
      "verified_at": "2026-10-16"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 410817,
      "lender_name": "Bank Five Nine",
      "lender_slug": "bank-five-nine-410817",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.bankfivenine.com/banker/mortgage-lenders/jonhubbard/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/jonhubbard/",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 410817,
        "lender_name": "Bank Five Nine",
        "lender_slug": "bank-five-nine-410817",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.bankfivenine.com/banker/mortgage-lenders/jonhubbard/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/jonhubbard/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "1214637",
        "status": "expired",
        "issued_at": "2016-07-21",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      }
    ],
    "specialties": [
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/jonhubbard/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "vacation-home",
        "label": "Vacation home",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/jonhubbard/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "16",
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/jonhubbard/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "service_area",
        "value": "Wisconsin, plus lending in over 40 additional states",
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/jonhubbard/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "community",
        "value": "Supports the Evans Scholars Foundation",
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/jonhubbard/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-21 14:57:59.133113+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/jon-hubbard-1214637#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.bankfivenine.com/banker/mortgage-lenders/jonhubbard/",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": {
      "date": "2016-07-21",
      "state": "WI"
    },
    "licensed_since": {
      "year": 2016,
      "state": "WI"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}