---
canonical_url: https://lendb.ai/lo/joseph-lyons-2781016
json_url: https://lendb.ai/lo/joseph-lyons-2781016.json
nmls_id: 2781016
last_verified: 2026-10-21
---

# Joseph Branum Lyons

Loan Officer at Ram Mortgage, LLC, Charlotte, NC. NMLS ID 2781016 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2781016)).

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.

**Summary:** Joseph Branum Lyons (NMLS 2781016) is Loan Officer at Ram Mortgage, LLC, based in Charlotte, NC. Licensed in 2 states confirmed with state regulators: Florida and Colorado. Also lists Alabama on the lender page (not yet checked with the state regulator). Earliest state license record: January 12, 2026 (Florida), per state regulator. Last verified 2026-10-21.

## 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: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

### 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: https://www.rammtg.com/joseph-lyons.

### 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: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

## At a glance

- Earliest state license record: January 12, 2026 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Colorado (CO, confirmed), Alabama (AL, lender_reported)
- 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.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO144066 | active | confirmed | 2026-01-12 | state_regulator | 2026-10-15 |
| CO | Colorado regulator | state_license | 100544281 | active | confirmed | 2026-01-27 | state_regulator | 2026-10-16 |
| AL |  | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-21 |

## Employment history

- ? to present: Ram Mortgage, LLC (NMLS 2301828), Charlotte, NC. Source: https://www.rammtg.com/joseph-lyons, verified 2026-10-21.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2781016

## Contact

- View profile at Ram Mortgage, LLC: https://www.rammtg.com/joseph-lyons
- Office phone and Email on file: shown at https://lendb.ai/lo/joseph-lyons-2781016#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2781016
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=349561&contact=584416
- lender_site: https://www.rammtg.com/joseph-lyons

Cite as: Joseph Branum Lyons (NMLS 2781016), Ram Mortgage, LLC. LenDb.ai, https://lendb.ai/lo/joseph-lyons-2781016, last verified 2026-10-21.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._