{
  "canonical_url": "https://lendb.ai/lo/joshua-stedman-271259",
  "lede": {
    "text": "Josh Stedman (NMLS 271259) is a Mortgage Lender at Bank Five Nine. Josh's lender page shows a focus on FHA loan, USDA loan and VA loan.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Josh licensed?",
      "a": "Josh 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 Josh do FHA loans?",
      "a": "Josh's profile lists FHA loan as a focus (from their lender profile page). It also lists USDA loan, VA loan and construction loan.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Josh work for?",
      "a": "Bank Five Nine, company NMLS 410817, per the lender's own site (verified 2026-10-16).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
      "verified_at": "2026-10-16"
    },
    {
      "q": "How long has Josh been licensed?",
      "a": "The earliest state license record LenDb holds for Josh is from June 1, 2010 (Wisconsin regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Josh states 15 years of experience.",
      "fields": [
        "earliest_license_record",
        "years_experience"
      ],
      "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": 271259,
    "slug": "joshua-stedman-271259",
    "canonical_url": "https://lendb.ai/lo/joshua-stedman-271259",
    "md_url": "https://lendb.ai/lo/joshua-stedman-271259.md",
    "json_url": "https://lendb.ai/lo/joshua-stedman-271259.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/271259",
    "full_name": {
      "value": "Josh Stedman",
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Josh",
    "last_name": "Stedman",
    "licensed_names": [
      {
        "name": "Joshua Stedman",
        "name_with_middle_initial": "Joshua R. Stedman",
        "first_name": "Joshua",
        "middle_initial": "R",
        "last_name": "Stedman",
        "states": [
          "FL"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-09"
      },
      {
        "name": "Joshua Stedman",
        "name_with_middle_initial": null,
        "first_name": "Joshua",
        "middle_initial": null,
        "last_name": "Stedman",
        "states": [
          "WI"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-21"
      }
    ],
    "headshot_url": {
      "value": "https://www.bankfivenine.com/wp-content/uploads/2024/04/Bank59-Josh-Stedman-0424-websquare-removebg-preview-1.png",
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Josh Stedman has 15 years in the financial services industry. Their profile lists FHA, VA, USDA, conventional, construction and land loans as specialties. They enjoy coaching their son's football team.",
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Mortgage Lender",
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 15,
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
      "verified_at": "2026-10-16"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 410817,
      "lender_name": "Bank Five Nine",
      "lender_slug": "bank-five-nine-410817",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 410817,
        "lender_name": "Bank Five Nine",
        "lender_slug": "bank-five-nine-410817",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO77962",
        "status": "expired",
        "issued_at": "2020-12-01",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "271259",
        "status": "expired",
        "issued_at": "2010-06-01",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      }
    ],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "construction",
        "label": "Construction loan",
        "evidence": "lender_page_text",
        "confidence": 0.75,
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "15",
        "source": "lender_site",
        "source_url": "https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-21 19:32:54.919199+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/joshua-stedman-271259#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.bankfivenine.com/banker/mortgage-lenders/josh-stedman/",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": {
      "date": "2010-06-01",
      "state": "WI"
    },
    "licensed_since": {
      "year": 2010,
      "state": "WI"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}