Josie Ramirez
Managing Director, CA CRA Residential Lending at First Citizens Bank · San Mateo, CA
NMLS ID 988223 (opens in a new tab) · verify at NMLS Consumer Access
Josie Ramirez (NMLS 988223) is Managing Director, CA CRA Residential Lending at First Citizens Bank, based in San Mateo, CA. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS.
Last verified . Sources: First Citizens Bank (bankers.firstcitizens.com) and NMLS Consumer Access (license status, check live).
- Likely federally registered
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
None listed on the lender page yet.
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
No license list on file yet. Check NMLS Consumer Access (opens in a new tab) for every state this person is licensed in.
Likely federally registered: works at a bank. Federally registered MLOs aren't state-licensed; verify at NMLS (NMLS Consumer Access (opens in a new tab)).
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Employment history
First Citizens Bank NMLS 503941
Current · San Mateo, CA · seen on lender site 2026-10-09
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Josie has 30+ years combined experience with nonprofits and financial institutions, with 17 years in CRA residential lending. She specializes in affordable homeownership opportunities for underserved households.
Our summary of the lender page. Verified 2026-10-09.
- Role
- Managing Director for California CRA Residential Lending
- Source (opens in a new tab), verified 2026-10-09
- Education
- Santa Clara University and San Jose State University
- Source (opens in a new tab), verified 2026-10-09
Sources
| Name and employer | lender site · bankers.firstcitizens.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · bankers.firstcitizens.com (opens in a new tab) | verified 2026-10-09 |
| Contact | lender site · bankers.firstcitizens.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · bankers.firstcitizens.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Josie Ramirez (NMLS 988223), First Citizens Bank. LenDb.ai, https://lendb.ai/lo/josie-ramirez-988223, last verified 2026-10-09.
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