Joe Ratterree
Mortgage Loan Originator at Trident Home Loans · Pensacola, FL
NMLS ID 2105708 (opens in a new tab) · verify at NMLS Consumer Access
Based in Pensacola, Florida, Joe Ratterree (NMLS 2105708) is a Mortgage Loan Originator at Trident Home Loans, licensed in Florida since 2021 and in Texas, Arkansas, Colorado and 8 more states. Joe's focus, from their own profile, includes VA loan and real estate investor.
Last verified . Sources: Trident Home Loans (tridenthomeloans.com), Florida state regulator, Texas state regulator, Arkansas state regulator, Colorado state regulator, Missouri state regulator, Connecticut state regulator, Iowa state regulator, Oregon state regulator, California state regulator, Illinois state regulator, Massachusetts state regulator, Maryland state regulator and NMLS Consumer Access (license status, check live). Licensed as Joseph Ratterree (Arkansas, California, Colorado, Connecticut, Florida, Iowa, Illinois, Massachusetts, Maryland, Missouri, Oregon and Texas regulators).
- Earliest state license record: June 18, 2021 (Florida), per state regulator
- 28 states
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is Joe licensed in Florida?
- Yes. Florida regulator records list license LO89837 as active, first effective June 18, 2021 (verified 2026-10-15). LenDb has 27 other states on file for Joe.
- Source: Florida state regulator (opens in a new tab)
- Does Joe do VA loans?
- Joe's profile lists VA loan as a focus (from their lender profile page). It also lists real estate investor.
- Source: lender page (opens in a new tab)
- What lender does Joe work for?
- Trident Home Loans, company NMLS 65716, from the Pensacola, FL office, per the lender's own site (verified 2026-10-15).
- Source: lender site (opens in a new tab)
- How long has Joe been licensed?
- The earliest state license record LenDb holds for Joe is from June 18, 2021 (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
- Focus: VA loan(from their lender profile page)
- Focus: Real estate investor(from their lender profile page)
Where we saw these: tridenthomeloans.com (opens in a new tab)
Their lender offers
Condo, Construction loan, FHA loan, Jumbo loan, Low credit score, Renovation loan (203k / HomeStyle), USDA loan and Vacation home. Programs Trident Home Loans offers (verified 2026-10-15). Lender-level: not confirmed as Joe's own focus, so ask.
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
Florida, Texas, Arkansas, Colorado, Missouri, Connecticut, Iowa, Oregon, Alabama, Arizona, California, District of Columbia, Georgia, Idaho, Illinois, Indiana, Kansas, Massachusetts, Maryland, Michigan, Minnesota, North Carolina, Ohio, Oklahoma, Tennessee, Utah, Virginia, Washington
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO89837, first effective 2021-06-18), TX (opens in a new tab), AR (opens in a new tab), CO (opens in a new tab) (100526575, first effective 2021-08-19), MO (opens in a new tab), CT (opens in a new tab) (LO-2105708), IA (opens in a new tab) (55200, first effective 2025-08-28), OR (opens in a new tab), CA DFPI (opens in a new tab) (CA-DFPI2105708, first effective 2023-08-02), IL (opens in a new tab) (31.0084175, first effective 2024-02-22), MA (opens in a new tab) (MLO2105708), MD (opens in a new tab), verified 2026-10-15. Source: State of Missouri (see disclaimer).
Lender-reported: AL, AZ, DC, GA, ID, IN, KS, MI, MN, NC, OH, OK, TN, UT, VA, WA are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Trident Home Loans NMLS 65716
Current · Pensacola, FL · seen on lender site 2026-10-15
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Joe is a veteran and former active duty Air Force pilot who works as a simulator instructor for Delta. Joe specializes in VA loans and conventional loans for primary, secondary and investment properties.
Our summary of the lender page. Verified 2026-10-15.
- Role
- Simulator instructor and check pilot, Delta Air Lines (Boeing 737)
- Source (opens in a new tab), verified 2026-10-15
Sources
| Name and employer | state regulator · tridenthomeloans.com (opens in a new tab) | verified 2026-10-15 |
| Licenses (regulator) | state regulator · labor.maryland.gov (opens in a new tab) | verified 2026-10-26 |
| Licensed states | lender site · tridenthomeloans.com (opens in a new tab) | verified 2026-10-15 |
| Specialties | lender site · tridenthomeloans.com (opens in a new tab) | verified 2026-10-26 |
| Lender programs | lender site · tridenthomeloans.com (opens in a new tab) | verified 2026-10-15 |
| Summary | state regulator · tridenthomeloans.com (opens in a new tab) | verified 2026-10-15 |
| Contact | lender site · tridenthomeloans.com (opens in a new tab) | verified 2026-10-15 |
| Photo | state regulator · tridenthomeloans.com (opens in a new tab) | verified 2026-10-15 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Joe Ratterree (NMLS 2105708), Trident Home Loans. LenDb.ai, https://lendb.ai/lo/joseph-ratterree-2105708, last verified 2026-10-28.
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