{
  "canonical_url": "https://lendb.ai/lo/josephine-race-2433202",
  "lede": {
    "text": "Josephine Race, NMLS 2433202, works as a Loan Officer at Granite Bank in Superior, Wisconsin. Josephine's lender page shows a focus on first-time buyer.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Josephine licensed?",
      "a": "Josephine 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": "2026-10-16"
    },
    {
      "q": "Does Josephine list first-time buyer as a focus?",
      "a": "Josephine's profile lists first-time buyer as a focus (from their lender profile page).",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://granitebank.com/loan-officer/josephinerace/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Josephine work for?",
      "a": "Granite Bank, company NMLS 405434, from the Superior, WI office, per the lender's own site (verified 2026-10-16).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://granitebank.com/loan-officer/josephinerace/",
      "verified_at": "2026-10-16"
    },
    {
      "q": "How long has Josephine been licensed?",
      "a": "The earliest state license record LenDb holds for Josephine is from November 1, 2023 (Wisconsin regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Wisconsin state regulator",
      "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
      "verified_at": "2026-10-21"
    }
  ],
  "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": 2433202,
    "slug": "josephine-race-2433202",
    "canonical_url": "https://lendb.ai/lo/josephine-race-2433202",
    "md_url": "https://lendb.ai/lo/josephine-race-2433202.md",
    "json_url": "https://lendb.ai/lo/josephine-race-2433202.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2433202",
    "full_name": {
      "value": "Josephine Race",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/josephinerace/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Josephine",
    "last_name": "Race",
    "headshot_url": {
      "value": "https://granitebank.com/wp-content/uploads/2025/12/Josephine-Race-1080-300x300.png",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/josephinerace/",
      "verified_at": "2026-10-16"
    },
    "bio": null,
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/josephinerace/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/josephinerace/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 75,
    "current_employment": {
      "lender_nmls_id": 405434,
      "lender_name": "Granite Bank",
      "lender_slug": "granite-bank-405434",
      "branch_city": "Superior",
      "branch_state": "WI",
      "branch_zip": "54880",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://granitebank.com/loan-officer/josephinerace/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/josephinerace/",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 405434,
        "lender_name": "Granite Bank",
        "lender_slug": "granite-bank-405434",
        "branch_city": "Superior",
        "branch_state": "WI",
        "branch_zip": "54880",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://granitebank.com/loan-officer/josephinerace/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://granitebank.com/loan-officer/josephinerace/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "2433202",
        "status": "inactive",
        "issued_at": "2023-11-01",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      }
    ],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://granitebank.com/loan-officer/josephinerace/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/josephine-race-26a865183/",
        "source": "lender_site",
        "source_url": "https://granitebank.com/loan-officer/josephinerace/",
        "verified_at": "2026-10-16"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "service_area",
        "value": "greater Duluth and Superior area",
        "source": "lender_site",
        "source_url": "https://granitebank.com/loan-officer/josephinerace/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-21 19:02:12.011586+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/josephine-race-2433202#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://granitebank.com/loan-officer/josephinerace/",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": {
      "date": "2023-11-01",
      "state": "WI"
    },
    "licensed_since": {
      "year": 2023,
      "state": "WI"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}