{
  "canonical_url": "https://lendb.ai/lo/shoaib-ayub-1986377",
  "lede": {
    "text": "Sean Ayub (NMLS 1986377) is an Executive Loan Officer at INDEPENDENCE HOME LOANS LLC, licensed in Texas since 2024 and in Florida, Connecticut, Delaware and 11 more states. Sean's own profile lists FHA loan and VA loan as a focus.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Sean licensed in Florida?",
      "a": "Yes. Florida regulator records list license LO126521 as active, first effective March 1, 2024 (verified 2026-10-15). LenDb has 14 other states on file for Sean.",
      "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 Sean do FHA loans?",
      "a": "Sean's profile lists FHA loan as a focus (from their lender profile page). It also lists VA loan.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://independencehl.com/sean-ayub/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Sean work for?",
      "a": "INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://independencehl.com/sean-ayub/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Sean been licensed?",
      "a": "The earliest state license record LenDb holds for Sean is from January 18, 2024 (Texas regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Texas state regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    }
  ],
  "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": 1986377,
    "slug": "shoaib-ayub-1986377",
    "canonical_url": "https://lendb.ai/lo/shoaib-ayub-1986377",
    "md_url": "https://lendb.ai/lo/shoaib-ayub-1986377.md",
    "json_url": "https://lendb.ai/lo/shoaib-ayub-1986377.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1986377",
    "full_name": {
      "value": "Sean Ayub",
      "source": "state_regulator",
      "source_url": "https://independencehl.com/sean-ayub/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Sean",
    "last_name": "Ayub",
    "headshot_url": {
      "value": "https://independencehl.com/wp-content/uploads/2025/11/ShoaibAyubWebsite-350x350.png",
      "source": "state_regulator",
      "source_url": "https://independencehl.com/sean-ayub/",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Executive Loan Officer",
      "source": "state_regulator",
      "source_url": "https://independencehl.com/sean-ayub/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://independencehl.com/sean-ayub/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 2524174,
      "lender_name": "INDEPENDENCE HOME LOANS LLC",
      "lender_slug": "independence-home-loans-llc-2524174",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://independencehl.com/sean-ayub/",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://independencehl.com/sean-ayub/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2524174,
        "lender_name": "INDEPENDENCE HOME LOANS LLC",
        "lender_slug": "independence-home-loans-llc-2524174",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://independencehl.com/sean-ayub/",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://independencehl.com/sean-ayub/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO126521",
        "status": "active",
        "issued_at": "2024-03-01",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2024-01-18",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      },
      {
        "state": "CT",
        "license_type": "state_license",
        "license_number": "LO-1986377",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "ct"
      },
      {
        "state": "DE",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/",
        "verified_at": "2026-10-30",
        "confidence": "confirmed",
        "regulator": "de"
      },
      {
        "state": "MO",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search",
        "verified_at": "2026-10-19",
        "confidence": "confirmed",
        "regulator": "mo"
      },
      {
        "state": "AR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://securities.arkansas.gov/loans/nmls/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ar"
      },
      {
        "state": "IA",
        "license_type": "state_license",
        "license_number": "56626",
        "status": "active",
        "issued_at": "2026-02-26",
        "source": "state_regulator",
        "source_url": "https://idob.iowa.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ia"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": "1986377",
        "status": "active",
        "issued_at": "2024-01-22",
        "source": "state_regulator",
        "source_url": "https://dfr.oregon.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "or"
      },
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "1986377",
        "status": "active",
        "issued_at": "2025-11-12",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DFPI1986377",
        "status": "active",
        "issued_at": "2024-02-07",
        "source": "state_regulator",
        "source_url": "https://dfpi.ca.gov/",
        "verified_at": "2026-10-24",
        "confidence": "confirmed",
        "regulator": "ca_dfpi",
        "regulator_name": "California Department of Financial Protection and Innovation"
      },
      {
        "state": "MA",
        "license_type": "state_license",
        "license_number": "MLO1986377",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees",
        "verified_at": "2026-10-26",
        "confidence": "confirmed",
        "regulator": "ma"
      },
      {
        "state": "MD",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.labor.maryland.gov/finance/",
        "verified_at": "2026-10-26",
        "confidence": "confirmed",
        "regulator": "md"
      },
      {
        "state": "WY",
        "license_type": "state_license",
        "license_number": "110008",
        "status": "active",
        "issued_at": "2026-03-13",
        "source": "state_regulator",
        "source_url": "https://wyomingbankingdivision.wyo.gov/",
        "verified_at": "2026-10-27",
        "confidence": "confirmed",
        "regulator": "wy"
      },
      {
        "state": "IL",
        "license_type": "state_license",
        "license_number": "31.0086343",
        "status": "active",
        "issued_at": "2024-08-14",
        "source": "state_regulator",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html",
        "verified_at": "2026-10-28",
        "confidence": "confirmed",
        "regulator": "il"
      },
      {
        "state": "NV",
        "license_type": "state_license",
        "license_number": "NMLO-1178267",
        "status": "active",
        "issued_at": "2024-01-30",
        "source": "state_regulator",
        "source_url": "https://mld.nv.gov/",
        "verified_at": "2026-10-31",
        "confidence": "confirmed",
        "regulator": "nv"
      }
    ],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://independencehl.com/sean-ayub/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://independencehl.com/sean-ayub/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 2020",
        "source": "lender_site",
        "source_url": "https://independencehl.com/sean-ayub/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "education",
        "value": "Bachelor of Science in Biology, University of Arizona",
        "source": "lender_site",
        "source_url": "https://independencehl.com/sean-ayub/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "credential",
        "value": "Recognized among top producers at a leading direct lender",
        "source": "lender_site",
        "source_url": "https://independencehl.com/sean-ayub/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-31",
    "updated_at": "2026-10-31 20:06:23.660637+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/shoaib-ayub-1986377#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://independencehl.com/sean-ayub/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2024-01-18",
      "state": "TX"
    },
    "licensed_since": {
      "year": 2024,
      "state": "TX"
    },
    "federal_registration": null
  }
}