Joseph Branum Lyons
Loan Officer at Ram Mortgage, LLC · Charlotte, NC
NMLS ID 2781016 (opens in a new tab) · verify at NMLS Consumer Access
Joseph Branum Lyons, NMLS 2781016, works as a Loan Officer at Ram Mortgage, LLC in Charlotte, North Carolina and is licensed in Florida since 2026 and in Colorado.
Last verified . Sources: Ram Mortgage, LLC (rammtg.com), Florida state regulator, Colorado state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: January 12, 2026 (Florida), per state regulator
- 3 states
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is Joseph licensed in Florida?
- Yes. Florida regulator records list license LO144066 as active, first effective January 12, 2026 (verified 2026-10-15). LenDb has 2 other states on file for Joseph.
- Source: Florida state regulator (opens in a new tab)
- What lender does Joseph work for?
- Ram Mortgage, LLC, company NMLS 2301828, from the Charlotte, NC office, per the lender's own site (verified 2026-10-21).
- Source: lender site (opens in a new tab)
- How long has Joseph been licensed?
- The earliest state license record LenDb holds for Joseph is from January 12, 2026 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
- Source: Florida 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
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO144066, first effective 2026-01-12), CO (opens in a new tab) (100544281, first effective 2026-01-27), verified 2026-10-15.
Lender-reported: AL is listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Ram Mortgage, LLC NMLS 2301828
Current · Charlotte, NC · seen on lender site 2026-10-21
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
Sources
| Name and employer | lender site · rammtg.com (opens in a new tab) | verified 2026-10-21 |
| Licenses (regulator) | state regulator · apps.colorado.gov (opens in a new tab) | verified 2026-10-16 |
| Licensed states | lender site · rammtg.com (opens in a new tab) | verified 2026-10-21 |
| Contact | lender site · rammtg.com (opens in a new tab) | verified 2026-10-21 |
| Photo | lender site · rammtg.com (opens in a new tab) | verified 2026-10-21 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Joseph Branum Lyons (NMLS 2781016), Ram Mortgage, LLC. LenDb.ai, https://lendb.ai/lo/joseph-lyons-2781016, last verified 2026-10-21.
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