--- canonical_url: https://lendb.ai/lo/joseph-ratterree-2105708 json_url: https://lendb.ai/lo/joseph-ratterree-2105708.json nmls_id: 2105708 last_verified: 2026-10-28 --- # Joe Ratterree Mortgage Loan Originator at Trident Home Loans, Pensacola, FL. NMLS ID 2105708 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2105708)). 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. **Summary:** Joe Ratterree (NMLS 2105708) is Mortgage Loan Originator at Trident Home Loans, based in Pensacola, FL. Licensed in 12 states confirmed with state regulators: Florida, Texas, Arkansas, Colorado, Missouri, Connecticut, Iowa, Oregon and 4 more. Also lists Alabama, Arizona, District of Columbia, Georgia, Idaho, Indiana, Kansas, Michigan and 8 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: VA loan and Real estate investor. Trident Home Loans also offers Condo, Construction loan, FHA loan, Jumbo loan and Low credit score and 3 more (a lender program, not confirmed as their own focus). Earliest state license record: June 18, 2021 (Florida), per state regulator. Last verified 2026-10-28. ## 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: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ### 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: https://tridenthomeloans.com/joe-ratterree/. ### 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: https://tridenthomeloans.com/joe-ratterree/. ### 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: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ## At a glance - Earliest state license record: June 18, 2021 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Also licensed as (state regulator records, same NMLS ID): Joseph D. Ratterree (AR, CA, CO, CT, FL, IA, MA, MD, MO, OR, TX, as of 2026-10-26); Joseph Ratterree (IL, as of 2026-10-27) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Arkansas (AR, confirmed), Colorado (CO, confirmed), Missouri (MO, confirmed), Connecticut (CT, confirmed), Iowa (IA, confirmed), Oregon (OR, confirmed), Alabama (AL, lender_reported), Arizona (AZ, lender_reported), California (CA DFPI, confirmed), District of Columbia (DC, lender_reported), Georgia (GA, lender_reported), Idaho (ID, lender_reported), Illinois (IL, confirmed), Indiana (IN, lender_reported), Kansas (KS, lender_reported), Massachusetts (MA, confirmed), Maryland (MD, confirmed), Michigan (MI, lender_reported), Minnesota (MN, lender_reported), North Carolina (NC, lender_reported), Ohio (OH, lender_reported), Oklahoma (OK, lender_reported), Tennessee (TN, lender_reported), Utah (UT, lender_reported), Virginia (VA, lender_reported), Washington (WA, 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) - **VA loan** (`va`): from their lender profile page, confidence 0.90, verified 2026-10-26. Source: https://tridenthomeloans.com/joe-ratterree/ - **Real estate investor** (`investor`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://tridenthomeloans.com/joe-ratterree/ ### Their lender offers (lender level: Trident Home Loans's programs, not confirmed as this person's focus) - **Condo** (`condo`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Construction loan** (`construction`): verified 2026-10-15. Source: https://tridenthomeloans.com - **FHA loan** (`fha`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Jumbo loan** (`jumbo`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Low credit score** (`low-credit`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-15. Source: https://tridenthomeloans.com - **USDA loan** (`usda`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Vacation home** (`vacation-home`): verified 2026-10-15. Source: https://tridenthomeloans.com ## 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. Source: LenDb summary of the lender page, verified 2026-10-15. ## Facts from the lender page and intro - credential: Numerous awards including 3 Air Medals. Source: https://tridenthomeloans.com/joe-ratterree/, verified 2026-10-15. - role: Simulator instructor and check pilot, Delta Air Lines (Boeing 737). Source: https://tridenthomeloans.com/joe-ratterree/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO89837 | active | confirmed | 2021-06-18 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2021-08-18 | state_regulator | 2026-10-13 | | AR | Arkansas regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-20 | | CO | Colorado regulator | state_license | 100526575 | active | confirmed | 2021-08-19 | state_regulator | 2026-10-16 | | MO | Missouri regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-19 | | CT | Connecticut regulator | state_license | LO-2105708 | active | confirmed | | state_regulator | 2026-10-15 | | IA | Iowa regulator | state_license | 55200 | active | confirmed | 2025-08-28 | state_regulator | 2026-10-20 | | OR | Oregon regulator | state_license | n/a | active | confirmed | 2025-10-31 | state_regulator | 2026-10-20 | | AL | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | AZ | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI2105708 | active | confirmed | 2023-08-02 | state_regulator | 2026-10-24 | | DC | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | GA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | ID | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | IL | Illinois regulator | state_license | 31.0084175 | active | confirmed | 2024-02-22 | state_regulator | 2026-10-28 | | IN | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | KS | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | MA | Massachusetts regulator | state_license | MLO2105708 | active | confirmed | | state_regulator | 2026-10-26 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | | MI | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | MN | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | NC | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | OH | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | OK | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | TN | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | UT | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | VA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | WA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | ## Employment history - ? to present: Trident Home Loans (NMLS 65716), Pensacola, FL. Source: https://tridenthomeloans.com/joe-ratterree/, verified 2026-10-15. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2105708 ## Contact - View profile at Trident Home Loans: https://tridenthomeloans.com/joe-ratterree/ - Office phone and Email on file: shown at https://lendb.ai/lo/joseph-ratterree-2105708#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2105708 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://securities.arkansas.gov/loans/nmls/ - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=275881&contact=498741 - state_regulator: https://finance.mo.gov/banks-0/bank-licensee-search - state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut - state_regulator: https://idob.iowa.gov/ - state_regulator: https://dfr.oregon.gov/ - lender_site: https://tridenthomeloans.com/joe-ratterree/ - state_regulator: https://dfpi.ca.gov/ - state_regulator: https://idfpr.illinois.gov/banks/resfin.html - state_regulator: https://www.mass.gov/lists/download-a-list-of-approved-licensees - state_regulator: https://www.labor.maryland.gov/finance/ - lender_site (lender programs): https://tridenthomeloans.com Cite as: Joe Ratterree (NMLS 2105708), Trident Home Loans. LenDb.ai, https://lendb.ai/lo/joseph-ratterree-2105708, last verified 2026-10-28. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._