--- canonical_url: https://lendb.ai/lo/joshua-stedman-271259 json_url: https://lendb.ai/lo/joshua-stedman-271259.json nmls_id: 271259 last_verified: 2026-10-16 --- # Josh Stedman Mortgage Lender at Bank Five Nine. NMLS ID 271259 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/271259)). 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. **Summary:** Josh Stedman (NMLS 271259) is Mortgage Lender at Bank Five Nine. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: FHA loan, USDA loan, VA loan and Construction loan. Earliest state license record: June 1, 2010 (Wisconsin), per state regulator. States 15 years of experience. Last verified 2026-10-16. ## Quick answers ### Is Josh licensed? Josh 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. ### Does Josh do FHA loans? Josh's profile lists FHA loan as a focus (from their lender profile page). It also lists USDA loan, VA loan and construction loan. Source: https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/. ### What lender does Josh work for? Bank Five Nine, company NMLS 410817, per the lender's own site (verified 2026-10-16). Source: https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/. ### How long has Josh been licensed? 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. Source: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/. ## At a glance - Earliest state license record: June 1, 2010 (Wisconsin), 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): 15 (source: https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/, verified 2026-10-16) - Also licensed as (state regulator records, same NMLS ID): Joshua R. Stedman (FL, as of 2026-10-09); Joshua Stedman (WI, as of 2026-10-21) - 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) - **FHA loan** (`fha`): from their lender profile page, confidence 0.80, verified 2026-10-26. Source: https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/ - **USDA loan** (`usda`): from their lender profile page, confidence 0.80, verified 2026-10-26. Source: https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/ - **VA loan** (`va`): from their lender profile page, confidence 0.80, verified 2026-10-26. Source: https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/ - **Construction loan** (`construction`): from their lender profile page, confidence 0.75, verified 2026-10-26. Source: https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/ ## About 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: LenDb summary of the lender page, verified 2026-10-16. ## Facts from the lender page and intro - years_experience: 15. Source: https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/, verified 2026-10-16. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO77962 | expired | confirmed | 2020-12-01 | state_regulator | 2026-10-15 | | WI | Wisconsin regulator | state_license | 271259 | expired | confirmed | 2010-06-01 | state_regulator | 2026-10-21 | ## Employment history - ? to present: Bank Five Nine (NMLS 410817). Source: https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/, verified 2026-10-16. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/271259 ## Contact - View profile at Bank Five Nine: https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/ - Office phone and Email on file: shown at https://lendb.ai/lo/joshua-stedman-271259#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/271259 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip - state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/ - lender_site: https://www.bankfivenine.com/banker/mortgage-lenders/josh-stedman/ Cite as: Josh Stedman (NMLS 271259), Bank Five Nine. LenDb.ai, https://lendb.ai/lo/joshua-stedman-271259, last verified 2026-10-16. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._