{
  "canonical_url": "https://lendb.ai/lo/joseph-picozzi-5957",
  "lede": {
    "text": "Joseph Picozzi (NMLS 5957) is a Mortgage Lending Officer at The Washington Trust Company, of Westerly in Johnston, Rhode Island.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Joseph licensed?",
      "a": "Joseph works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access.",
      "fields": [
        "federal_registration",
        "current_employment"
      ],
      "source": "employer type in LenDb's lender registry",
      "source_url": null,
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Joseph work for?",
      "a": "The Washington Trust Company, of Westerly, company NMLS 414726, from the Johnston, RI office, per the lender's own site (verified 2026-10-26).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.washtrust.com/application/joepicozzi",
      "verified_at": "2026-10-26"
    },
    {
      "q": "How long has Joseph been licensed?",
      "a": "The earliest state license record LenDb holds for Joseph is from January 10, 2017 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Joseph states 20 years of experience.",
      "fields": [
        "earliest_license_record",
        "years_experience"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
      "verified_at": "2026-10-15"
    }
  ],
  "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": 5957,
    "slug": "joseph-picozzi-5957",
    "canonical_url": "https://lendb.ai/lo/joseph-picozzi-5957",
    "md_url": "https://lendb.ai/lo/joseph-picozzi-5957.md",
    "json_url": "https://lendb.ai/lo/joseph-picozzi-5957.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/5957",
    "full_name": {
      "value": "Joseph Picozzi",
      "source": "lender_site",
      "source_url": "https://www.washtrust.com/application/joepicozzi",
      "verified_at": "2026-10-26"
    },
    "first_name": "Joseph",
    "last_name": "Picozzi",
    "licensed_names": [
      {
        "name": "Joseph Picozzi",
        "name_with_middle_initial": "Joseph A. Picozzi",
        "first_name": "Joseph",
        "middle_initial": "A",
        "last_name": "Picozzi",
        "states": [
          "FL"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-09"
      }
    ],
    "headshot_url": {
      "value": "https://stdidwashtrustprod.blob.core.windows.net/washtrust/images/staff/_wide/Picozzi-600x712.jpg",
      "source": "lender_site",
      "source_url": "https://www.washtrust.com/application/joepicozzi",
      "verified_at": "2026-10-26"
    },
    "bio": {
      "value": "Joseph Picozzi is a Mortgage Lending Officer in Washington Trust's Johnston, RI branch office. They have more than 20 years of experience in the mortgage industry. Their profile says they specialize in conventional mortgage loans and more complex lending needs.",
      "source": "lender_site",
      "source_url": "https://www.washtrust.com/application/joepicozzi",
      "verified_at": "2026-10-26"
    },
    "title": {
      "value": "Mortgage Lending Officer",
      "source": "lender_site",
      "source_url": "https://www.washtrust.com/application/joepicozzi",
      "verified_at": "2026-10-26"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.washtrust.com/application/joepicozzi",
      "verified_at": "2026-10-26"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 20,
      "source": "lender_site",
      "source_url": "https://www.washtrust.com/application/joepicozzi",
      "verified_at": "2026-10-26"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 414726,
      "lender_name": "The Washington Trust Company, of Westerly",
      "lender_slug": "the-washington-trust-company-of-westerly-414726",
      "branch_city": "Johnston",
      "branch_state": "RI",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.washtrust.com/application/joepicozzi",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.washtrust.com/application/joepicozzi",
      "verified_at": "2026-10-26"
    },
    "employment_history": [
      {
        "lender_nmls_id": 414726,
        "lender_name": "The Washington Trust Company, of Westerly",
        "lender_slug": "the-washington-trust-company-of-westerly-414726",
        "branch_city": "Johnston",
        "branch_state": "RI",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.washtrust.com/application/joepicozzi",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.washtrust.com/application/joepicozzi",
        "verified_at": "2026-10-26"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO38121",
        "status": "expired",
        "issued_at": "2017-01-10",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "NY",
        "license_type": "state_license",
        "license_number": null,
        "status": "expired",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.dfs.ny.gov/",
        "verified_at": "2026-10-14",
        "confidence": "confirmed",
        "regulator": "ny"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "20",
        "source": "lender_site",
        "source_url": "https://www.washtrust.com/application/joepicozzi",
        "verified_at": "2026-10-26"
      }
    ],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-26 13:34:04.448003+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/joseph-picozzi-5957#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://www.washtrust.com/application/joepicozzi",
      "verified_at": "2026-10-26"
    },
    "earliest_license_record": {
      "date": "2017-01-10",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2017,
      "state": "FL"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}