--- canonical_url: https://lendb.ai/lo/jose-ramos-251607 json_url: https://lendb.ai/lo/jose-ramos-251607.json nmls_id: 251607 last_verified: 2026-10-26 --- # Jose Ramos Senior Mortgage Banker at Lendwise Mortgage, Inc., Woodland Hills, CA. NMLS ID 251607 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/251607)). 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. **Summary:** Jose Ramos (NMLS 251607) is Senior Mortgage Banker at Lendwise Mortgage, Inc., based in Woodland Hills, CA. Licensed in Texas, confirmed with the state regulator. Focus areas shown on the lender page: ITIN borrower, Jumbo loan, First-time buyer, Reverse mortgage and USDA loan. Earliest state license record: August 2, 2012 (Texas), per state regulator. States 19 years of experience. Last verified 2026-10-26. ## Quick answers ### Is Jose licensed in Texas? Yes. Texas regulator records list a license as active, first effective August 2, 2012 (verified 2026-10-13). Source: https://www.sml.texas.gov/. ### Does Jose list ITIN borrower as a focus? 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. Source: https://lendwisemtg.com/loan-officers/jose-ramos. ### What lender does Jose work for, and is it FHA-approved? 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). Source: https://lendwisemtg.com/loan-officers/jose-ramos. ### How long has Jose been licensed? 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. Source: https://www.sml.texas.gov/. ## At a glance - Earliest state license record: August 2, 2012 (Texas), 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): 19 (source: https://lendwisemtg.com/loan-officers/jose-ramos, verified 2026-10-26) - Licensed in: Texas (TX, confirmed) - Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot - 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) - **ITIN borrower** (`itin`): from their lender profile page, confidence 0.90, verified 2026-10-26. Source: https://lendwisemtg.com/loan-officers/jose-ramos - **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.90, verified 2026-10-26. Source: https://lendwisemtg.com/loan-officers/jose-ramos - **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://lendwisemtg.com/loan-officers/jose-ramos - **Reverse mortgage** (`reverse`): from their lender profile page, confidence 0.50, verified 2026-10-26. Source: https://lendwisemtg.com/loan-officers/jose-ramos - **USDA loan** (`usda`): from their lender profile page, confidence 0.50, verified 2026-10-26. Source: https://lendwisemtg.com/loan-officers/jose-ramos ## Facts from the lender page and intro - years_experience: since 2007. Source: https://lendwisemtg.com/loan-officers/jose-ramos, verified 2026-10-26. - years_experience: 19. Source: https://lendwisemtg.com/loan-officers/jose-ramos, verified 2026-10-26. - service_area: Dallas–Fort Worth area and the rest of Texas. Source: https://lendwisemtg.com/loan-officers/jose-ramos, verified 2026-10-26. - other: most business comes from repeat clients and referrals. Source: https://lendwisemtg.com/loan-officers/jose-ramos, verified 2026-10-26. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | TX | Texas regulator | state_license | n/a | active | confirmed | 2012-08-02 | state_regulator | 2026-10-13 | ## Employment history - ? to present: Lendwise Mortgage, Inc. (NMLS 2702455), Woodland Hills, CA. Source: https://lendwisemtg.com/loan-officers/jose-ramos, verified 2026-10-26. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/251607 ## Contact - View profile at Lendwise Mortgage, Inc.: https://lendwisemtg.com/loan-officers/jose-ramos - Office phone and Email on file: shown at https://lendb.ai/lo/jose-ramos-251607#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/251607 - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://lendwisemtg.com/loan-officers/jose-ramos - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Jose Ramos (NMLS 251607), Lendwise Mortgage, Inc.. LenDb.ai, https://lendb.ai/lo/jose-ramos-251607, last verified 2026-10-26. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._