--- canonical_url: https://lendb.ai/lo/jose-cardenas-1440830 json_url: https://lendb.ai/lo/jose-cardenas-1440830.json nmls_id: 1440830 last_verified: 2026-10-28 --- # Jose Cardenas IGNITE Sales Director at INDEPENDENCE HOME LOANS LLC. NMLS ID 1440830 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1440830)). 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. **Summary:** Jose Cardenas (NMLS 1440830) is IGNITE Sales Director at INDEPENDENCE HOME LOANS LLC. Licensed in 8 states confirmed with state regulators: Florida, Texas, Iowa, Oregon, Wisconsin, California, Maryland and Illinois. Earliest state license record: December 6, 2023 (Illinois), per state regulator. States 10 years of experience. Last verified 2026-10-28. ## 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: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip. ### What lender does Jose work for? INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15). Source: https://independencehl.com/jose-cardenas/. ### 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: https://idfpr.illinois.gov/banks/resfin.html. ## At a glance - Earliest state license record: December 6, 2023 (Illinois), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 10 (source: https://independencehl.com/jose-cardenas/, verified 2026-10-15) - Also licensed as (state regulator records, same NMLS ID): Jose L. Cardenas (CA, FL, IA, MD, OR, TX, as of 2026-10-26) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Iowa (IA, confirmed), Oregon (OR, confirmed), Wisconsin (WI, confirmed), California (CA DFPI, confirmed), Maryland (MD, confirmed), Illinois (IL, confirmed) - 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. ## 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. Source: LenDb summary of the lender page, verified 2026-10-15. ## Facts from the lender page and intro - years_experience: 10. Source: https://independencehl.com/jose-cardenas/, verified 2026-10-15. - education: Business Communications degree, Arizona State University. Source: https://independencehl.com/jose-cardenas/, verified 2026-10-15. - community: member of various community and philanthropic organizations while at Arizona State University. Source: https://independencehl.com/jose-cardenas/, verified 2026-10-15. - credential: nationally ranked producer. Source: https://independencehl.com/jose-cardenas/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO124821 | active | confirmed | 2023-12-13 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2023-12-12 | state_regulator | 2026-10-13 | | IA | Iowa regulator | state_license | 52058 | active | confirmed | 2024-06-14 | state_regulator | 2026-10-20 | | OR | Oregon regulator | state_license | n/a | active | confirmed | 2023-12-12 | state_regulator | 2026-10-20 | | WI | Wisconsin regulator | state_license | 1440830 | active | confirmed | 2024-06-11 | state_regulator | 2026-10-21 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI1440830 | active | confirmed | 2023-12-18 | state_regulator | 2026-10-24 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | | IL | Illinois regulator | state_license | 31.0083425 | active | confirmed | 2023-12-06 | state_regulator | 2026-10-28 | ## Employment history - ? to present: INDEPENDENCE HOME LOANS LLC (NMLS 2524174). Source: https://independencehl.com/jose-cardenas/, 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/1440830 ## Contact - View profile at INDEPENDENCE HOME LOANS LLC: https://independencehl.com/jose-cardenas/ - Office phone and Email on file: shown at https://lendb.ai/lo/jose-cardenas-1440830#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1440830 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://idob.iowa.gov/ - state_regulator: https://dfr.oregon.gov/ - state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/ - state_regulator: https://dfpi.ca.gov/ - state_regulator: https://www.labor.maryland.gov/finance/ - state_regulator: https://idfpr.illinois.gov/banks/resfin.html - state_regulator: https://independencehl.com/jose-cardenas/ Cite as: Jose Cardenas (NMLS 1440830), INDEPENDENCE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/jose-cardenas-1440830, last verified 2026-10-28. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._