{
  "canonical_url": "https://lendb.ai/lo/jose-ramos-251607",
  "lede": {
    "text": "Based in Woodland Hills, California, Jose Ramos (NMLS 251607) is a Senior Mortgage Banker at Lendwise Mortgage, Inc., licensed in Texas since 2012. Jose's focus, from their own profile, includes ITIN borrower, jumbo loan and first-time buyer, and Jose works at an FHA-approved lender, per HUD.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "specialties",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Jose licensed in Texas?",
      "a": "Yes. Texas regulator records list a license as active, first effective August 2, 2012 (verified 2026-10-13).",
      "fields": [
        "licenses"
      ],
      "source": "Texas state regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    {
      "q": "Does Jose list ITIN borrower as a focus?",
      "a": "Jose's profile lists ITIN borrower as a focus (from their lender profile page). It also lists jumbo loan, first-time buyer and reverse mortgage.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://lendwisemtg.com/loan-officers/jose-ramos",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Jose work for, and is it FHA-approved?",
      "a": "Lendwise Mortgage, Inc., company NMLS 2702455, from the Woodland Hills, CA office, per the lender's own site (verified 2026-10-26). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026).",
      "fields": [
        "current_employment",
        "employer_program_approvals"
      ],
      "source": "lender site; HUD",
      "source_url": "https://lendwisemtg.com/loan-officers/jose-ramos",
      "verified_at": "2026-10-26"
    },
    {
      "q": "How long has Jose been licensed?",
      "a": "The earliest state license record LenDb holds for Jose is from August 2, 2012 (Texas regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Jose states 19 years of experience.",
      "fields": [
        "earliest_license_record",
        "years_experience"
      ],
      "source": "Texas state regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    }
  ],
  "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": 251607,
    "slug": "jose-ramos-251607",
    "canonical_url": "https://lendb.ai/lo/jose-ramos-251607",
    "md_url": "https://lendb.ai/lo/jose-ramos-251607.md",
    "json_url": "https://lendb.ai/lo/jose-ramos-251607.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/251607",
    "full_name": {
      "value": "Jose Ramos",
      "source": "state_regulator",
      "source_url": "https://lendwisemtg.com/loan-officers/jose-ramos",
      "verified_at": "2026-10-26"
    },
    "first_name": "Jose",
    "last_name": "Ramos",
    "headshot_url": {
      "value": "https://tpwubhqakasyvijikbmv.supabase.co/storage/v1/object/public/profile-images/1e26c242-e9fc-40e4-a547-1a88181d731e/facial_1789078155206.jpg",
      "source": "state_regulator",
      "source_url": "https://lendwisemtg.com/loan-officers/jose-ramos",
      "verified_at": "2026-10-26"
    },
    "bio": null,
    "title": {
      "value": "Senior Mortgage Banker",
      "source": "state_regulator",
      "source_url": "https://lendwisemtg.com/loan-officers/jose-ramos",
      "verified_at": "2026-10-26"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://lendwisemtg.com/loan-officers/jose-ramos",
      "verified_at": "2026-10-26"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 19,
      "source": "lender_site",
      "source_url": "https://lendwisemtg.com/loan-officers/jose-ramos",
      "verified_at": "2026-10-26"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 2702455,
      "lender_name": "Lendwise Mortgage, Inc.",
      "lender_slug": "lendwise-mortgage-inc-2702455",
      "branch_city": "Woodland Hills",
      "branch_state": "CA",
      "branch_zip": "91367",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://lendwisemtg.com/loan-officers/jose-ramos",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://lendwisemtg.com/loan-officers/jose-ramos",
      "verified_at": "2026-10-26"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2702455,
        "lender_name": "Lendwise Mortgage, Inc.",
        "lender_slug": "lendwise-mortgage-inc-2702455",
        "branch_city": "Woodland Hills",
        "branch_state": "CA",
        "branch_zip": "91367",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://lendwisemtg.com/loan-officers/jose-ramos",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://lendwisemtg.com/loan-officers/jose-ramos",
        "verified_at": "2026-10-26"
      }
    ],
    "licenses": [
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2012-08-02",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      }
    ],
    "specialties": [
      {
        "slug": "itin",
        "label": "ITIN borrower",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/jose-ramos",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/jose-ramos",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/jose-ramos",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/jose-ramos",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/jose-ramos",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 2007",
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/jose-ramos",
        "verified_at": "2026-10-26"
      },
      {
        "kind": "years_experience",
        "value": "19",
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/jose-ramos",
        "verified_at": "2026-10-26"
      },
      {
        "kind": "service_area",
        "value": "Dallas–Fort Worth area and the rest of Texas",
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/jose-ramos",
        "verified_at": "2026-10-26"
      },
      {
        "kind": "other",
        "value": "most business comes from repeat clients and referrals",
        "source": "lender_site",
        "source_url": "https://lendwisemtg.com/loan-officers/jose-ramos",
        "verified_at": "2026-10-26"
      }
    ],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-26 11:28:51.222493+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/jose-ramos-251607#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://lendwisemtg.com/loan-officers/jose-ramos",
      "verified_at": "2026-10-26"
    },
    "earliest_license_record": {
      "date": "2012-08-02",
      "state": "TX"
    },
    "licensed_since": {
      "year": 2012,
      "state": "TX"
    },
    "federal_registration": null
  }
}