{
  "canonical_url": "https://lendb.ai/lo/jose-cardenas-1440830",
  "lede": {
    "text": "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.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Jose licensed in Florida?",
      "a": "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.",
      "fields": [
        "licenses"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
      "verified_at": "2026-10-15"
    },
    {
      "q": "What lender does Jose 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/jose-cardenas/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Jose been licensed?",
      "a": "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.",
      "fields": [
        "earliest_license_record",
        "years_experience"
      ],
      "source": "Illinois state regulator",
      "source_url": "https://idfpr.illinois.gov/banks/resfin.html",
      "verified_at": "2026-10-28"
    }
  ],
  "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": 1440830,
    "slug": "jose-cardenas-1440830",
    "canonical_url": "https://lendb.ai/lo/jose-cardenas-1440830",
    "md_url": "https://lendb.ai/lo/jose-cardenas-1440830.md",
    "json_url": "https://lendb.ai/lo/jose-cardenas-1440830.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1440830",
    "full_name": {
      "value": "Jose Cardenas",
      "source": "state_regulator",
      "source_url": "https://independencehl.com/jose-cardenas/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Jose",
    "last_name": "Cardenas",
    "licensed_names": [
      {
        "name": "Jose Cardenas",
        "name_with_middle_initial": "Jose L. Cardenas",
        "first_name": "Jose",
        "middle_initial": "L",
        "last_name": "Cardenas",
        "states": [
          "CA",
          "FL",
          "IA",
          "MD",
          "OR",
          "TX"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-26"
      }
    ],
    "headshot_url": {
      "value": "https://independencehl.com/wp-content/uploads/2025/01/JoseCardenasWebsite-350x350.png",
      "source": "state_regulator",
      "source_url": "https://independencehl.com/jose-cardenas/",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "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.",
      "source": "state_regulator",
      "source_url": "https://independencehl.com/jose-cardenas/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "IGNITE Sales Director",
      "source": "state_regulator",
      "source_url": "https://independencehl.com/jose-cardenas/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://independencehl.com/jose-cardenas/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 10,
      "source": "lender_site",
      "source_url": "https://independencehl.com/jose-cardenas/",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "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/jose-cardenas/",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://independencehl.com/jose-cardenas/",
      "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/jose-cardenas/",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://independencehl.com/jose-cardenas/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO124821",
        "status": "active",
        "issued_at": "2023-12-13",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2023-12-12",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      },
      {
        "state": "IA",
        "license_type": "state_license",
        "license_number": "52058",
        "status": "active",
        "issued_at": "2024-06-14",
        "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": "2023-12-12",
        "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": "1440830",
        "status": "active",
        "issued_at": "2024-06-11",
        "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-DFPI1440830",
        "status": "active",
        "issued_at": "2023-12-18",
        "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": "IL",
        "license_type": "state_license",
        "license_number": "31.0083425",
        "status": "active",
        "issued_at": "2023-12-06",
        "source": "state_regulator",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html",
        "verified_at": "2026-10-28",
        "confidence": "confirmed",
        "regulator": "il"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "10",
        "source": "lender_site",
        "source_url": "https://independencehl.com/jose-cardenas/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "education",
        "value": "Business Communications degree, Arizona State University",
        "source": "lender_site",
        "source_url": "https://independencehl.com/jose-cardenas/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "community",
        "value": "member of various community and philanthropic organizations while at Arizona State University",
        "source": "lender_site",
        "source_url": "https://independencehl.com/jose-cardenas/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "credential",
        "value": "nationally ranked producer",
        "source": "lender_site",
        "source_url": "https://independencehl.com/jose-cardenas/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-28",
    "updated_at": "2026-10-28 14:33:10.461673+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/jose-cardenas-1440830#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/jose-cardenas/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2023-12-06",
      "state": "IL"
    },
    "licensed_since": {
      "year": 2023,
      "state": "IL"
    },
    "federal_registration": null
  }
}