{
  "canonical_url": "https://lendb.ai/lo/ramon-duran-333577",
  "lede": {
    "text": "Ray Duran (NMLS 333577) is a mortgage loan officer at Quontic Bank, licensed in Florida since 2011. Ray's own profile lists foreign national and jumbo loan as a focus.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Ray licensed in Florida?",
      "a": "Yes. Florida regulator records list license LO12146 as active, first effective November 7, 2011 (verified 2026-10-15).",
      "fields": [
        "licenses"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
      "verified_at": "2026-10-15"
    },
    {
      "q": "Does Ray list foreign national as a focus?",
      "a": "Ray's profile lists foreign national as a focus (from their lender profile page). It also lists jumbo loan.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Ray work for?",
      "a": "Quontic Bank, company NMLS 403503, per the lender's own site (verified 2026-10-16).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
      "verified_at": "2026-10-16"
    },
    {
      "q": "How long has Ray been licensed?",
      "a": "The earliest state license record LenDb holds for Ray is from November 7, 2011 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Ray states 25 years of experience.",
      "fields": [
        "earliest_license_record",
        "years_experience"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
      "verified_at": "2026-10-15"
    }
  ],
  "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": 333577,
    "slug": "ramon-duran-333577",
    "canonical_url": "https://lendb.ai/lo/ramon-duran-333577",
    "md_url": "https://lendb.ai/lo/ramon-duran-333577.md",
    "json_url": "https://lendb.ai/lo/ramon-duran-333577.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/333577",
    "full_name": {
      "value": "Ray Duran",
      "source": "lender_site",
      "source_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Ray",
    "last_name": "Duran",
    "headshot_url": null,
    "bio": {
      "value": "Ray Duran is a regional sales manager with Quontic Bank's loan production office in Miami, with more than 25 years in mortgage banking. They say they specialize in foreign national mortgages and jumbo loans. They live in Miami with two daughters.",
      "source": "lender_site",
      "source_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "VP/Senior Mortgage Lending Officer",
      "source": "lender_site",
      "source_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 25,
      "source": "lender_site",
      "source_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
      "verified_at": "2026-10-16"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 403503,
      "lender_name": "Quontic Bank",
      "lender_slug": "quontic-bank-403503",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 403503,
        "lender_name": "Quontic Bank",
        "lender_slug": "quontic-bank-403503",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO12146",
        "status": "active",
        "issued_at": "2011-11-07",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      }
    ],
    "specialties": [
      {
        "slug": "foreign-national",
        "label": "Foreign national",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "25",
        "source": "lender_site",
        "source_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "role",
        "value": "regional sales manager",
        "source": "lender_site",
        "source_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "service_area",
        "value": "all 50 states",
        "source": "lender_site",
        "source_url": "https://www.quontic.com/help/loan-officers/ray-duran/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 13:59:30.428454+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/ramon-duran-333577#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.quontic.com/help/loan-officers/ray-duran/",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": {
      "date": "2011-11-07",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2011,
      "state": "FL"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}