Jose Cardenas
IGNITE Sales Director at INDEPENDENCE HOME LOANS LLC
NMLS ID 1440830 (opens in a new tab) · verify at NMLS Consumer Access
Jose Cardenas (NMLS 1440830) is an IGNITE Sales Director at INDEPENDENCE HOME LOANS LLC, licensed in Illinois since 2023 and in Florida, Texas, Iowa and 4 more states.
Last verified . Sources: INDEPENDENCE HOME LOANS LLC (independencehl.com), Florida state regulator, Texas state regulator, Iowa state regulator, Oregon state regulator, Wisconsin state regulator, California state regulator, Maryland state regulator, Illinois state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: December 6, 2023 (Illinois), per state regulator
- 10 years experience (stated)
- 8 states
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is Jose licensed in Florida?
- Yes. Florida regulator records list license LO124821 as active, first effective December 13, 2023 (verified 2026-10-15). LenDb has 7 other states on file for Jose.
- Source: Florida state regulator (opens in a new tab)
- What lender does Jose work for?
- INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15).
- Source: lender site (opens in a new tab)
- How long has Jose been licensed?
- The earliest state license record LenDb holds for Jose is from December 6, 2023 (Illinois regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Jose states 10 years of experience.
- Source: Illinois state regulator (opens in a new tab)
Specialties
Focus
No focus listed on their lender page yet.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
Florida, Texas, Iowa, Oregon, Wisconsin, California, Maryland, Illinois
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO124821, first effective 2023-12-13), TX (opens in a new tab), IA (opens in a new tab) (52058, first effective 2024-06-14), OR (opens in a new tab), WI (opens in a new tab) (1440830, first effective 2024-06-11), CA DFPI (opens in a new tab) (CA-DFPI1440830, first effective 2023-12-18), MD (opens in a new tab), IL (opens in a new tab) (31.0083425, first effective 2023-12-06), verified 2026-10-15.
Contact
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Employment history
INDEPENDENCE HOME LOANS LLC NMLS 2524174
Current · seen on lender site 2026-10-15
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Jose Cardenas has almost 10 years of experience in the mortgage industry and moved to the wholesale side with Independence Home Loans LLC. They were born and raised in Phoenix, Arizona, and received a degree in Business Communications from Arizona State University. Their page says they have been a nationally ranked producer in each role.
Our summary of the lender page. Verified 2026-10-15.
- Education
- Business Communications degree, Arizona State University
- Source (opens in a new tab), verified 2026-10-15
- Community
- member of various community and philanthropic organizations while at Arizona State University
- Source (opens in a new tab), verified 2026-10-15
Sources
| Name and employer | state regulator · independencehl.com (opens in a new tab) | verified 2026-10-15 |
| Licenses (regulator) | state regulator · idfpr.illinois.gov (opens in a new tab) | verified 2026-10-28 |
| Summary | state regulator · independencehl.com (opens in a new tab) | verified 2026-10-15 |
| Contact | lender site · independencehl.com (opens in a new tab) | verified 2026-10-15 |
| Photo | state regulator · independencehl.com (opens in a new tab) | verified 2026-10-15 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Jose Cardenas (NMLS 1440830), INDEPENDENCE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/jose-cardenas-1440830, last verified 2026-10-28.
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