---
canonical_url: https://lendb.ai/lo/joseph-picozzi-5957
json_url: https://lendb.ai/lo/joseph-picozzi-5957.json
nmls_id: 5957
last_verified: 2026-10-26
---

# Joseph Picozzi

Mortgage Lending Officer at The Washington Trust Company, of Westerly, Johnston, RI. NMLS ID 5957 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/5957)).

Joseph Picozzi (NMLS 5957) is a Mortgage Lending Officer at The Washington Trust Company, of Westerly in Johnston, Rhode Island.

**Summary:** Joseph Picozzi (NMLS 5957) is Mortgage Lending Officer at The Washington Trust Company, of Westerly, based in Johnston, RI. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Earliest state license record: January 10, 2017 (Florida), per state regulator. States 20 years of experience. Last verified 2026-10-26.

## Quick answers

### Is Joseph licensed?

Joseph works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access. Source: employer type in LenDb's lender registry.

### What lender does Joseph work for?

The Washington Trust Company, of Westerly, company NMLS 414726, from the Johnston, RI office, per the lender's own site (verified 2026-10-26). Source: https://www.washtrust.com/application/joepicozzi.

### How long has Joseph been licensed?

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

## At a glance

- Earliest state license record: January 10, 2017 (Florida), 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): 20 (source: https://www.washtrust.com/application/joepicozzi, verified 2026-10-26)
- Also licensed as (state regulator records, same NMLS ID): Joseph A. Picozzi (FL, as of 2026-10-09)
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- 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.

## About

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: LenDb summary of the lender page, verified 2026-10-26.

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.washtrust.com/application/joepicozzi, verified 2026-10-26.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO38121 | expired | confirmed | 2017-01-10 | state_regulator | 2026-10-15 |
| NY | New York regulator | state_license | n/a | expired | confirmed |  | state_regulator | 2026-10-14 |

## Employment history

- ? to present: The Washington Trust Company, of Westerly (NMLS 414726), Johnston, RI. Source: https://www.washtrust.com/application/joepicozzi, 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/5957

## Contact

- View profile at The Washington Trust Company, of Westerly: https://www.washtrust.com/application/joepicozzi
- Office phone and Email on file: shown at https://lendb.ai/lo/joseph-picozzi-5957#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/5957
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://www.dfs.ny.gov/
- lender_site: https://www.washtrust.com/application/joepicozzi

Cite as: Joseph Picozzi (NMLS 5957), The Washington Trust Company, of Westerly. LenDb.ai, https://lendb.ai/lo/joseph-picozzi-5957, last verified 2026-10-26.

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