---
canonical_url: https://lendb.ai/lo/yossef-zfatman-2708673
json_url: https://lendb.ai/lo/yossef-zfatman-2708673.json
nmls_id: 2708673
last_verified: 2026-10-31
---

# Joe Fastman

Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. NMLS ID 2708673 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2708673)).

Joe Fastman (NMLS 2708673) is an Executive Loan Officer at INDEPENDENCE HOME LOANS LLC, licensed in Florida since 2025 and in Oregon, Wisconsin, Delaware and 4 more states.

**Summary:** Joe Fastman (NMLS 2708673) is Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. Licensed in 8 states confirmed with state regulators: Florida, Oregon, Wisconsin, Delaware, California, Maryland, Illinois and Nevada. Earliest state license record: December 15, 2025 (Florida), per state regulator. Last verified 2026-10-31.

## Quick answers

### Is Joe licensed in Florida?

Yes. Florida regulator records list license LO143494 as active, first effective December 15, 2025 (verified 2026-10-15). LenDb has 7 other states on file for Joe. Source: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip.

### What lender does Joe work for?

INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15). Source: https://independencehl.com/joe-fastman/.

### How long has Joe been licensed?

The earliest state license record LenDb holds for Joe is from December 15, 2025 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip.

## At a glance

- Earliest state license record: December 15, 2025 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Oregon (OR, confirmed), Wisconsin (WI, confirmed), Delaware (DE, confirmed), California (CA DFPI, confirmed), Maryland (MD, confirmed), Illinois (IL, confirmed), Nevada (NV, confirmed)
- 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)

- None on file yet.

## Facts from the lender page and intro

- education: Bachelor's degree in Finance, Santa Monica College. Source: https://independencehl.com/joe-fastman/, verified 2026-10-15.
- years_experience: 3 years in business lending. Source: https://independencehl.com/joe-fastman/, verified 2026-10-15.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO143494 | active | confirmed | 2025-12-15 | state_regulator | 2026-10-15 |
| OR | Oregon regulator | state_license | n/a | active | confirmed | 2026-04-28 | state_regulator | 2026-10-21 |
| WI | Wisconsin regulator | state_license | 2708673 | active | confirmed | 2026-05-13 | state_regulator | 2026-10-21 |
| DE | Delaware regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-30 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI2708673 | active | confirmed | 2026-04-13 | state_regulator | 2026-10-24 |
| MD | Maryland regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-26 |
| IL | Illinois regulator | state_license | 31.0094804 | active | confirmed | 2026-05-13 | state_regulator | 2026-10-28 |
| NV | Nevada regulator | state_license | NMLO-176556 | active | confirmed | 2026-06-25 | state_regulator | 2026-10-31 |

## Employment history

- ? to present: INDEPENDENCE HOME LOANS LLC (NMLS 2524174). Source: https://independencehl.com/joe-fastman/, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2708673

## Contact

- View profile at INDEPENDENCE HOME LOANS LLC: https://independencehl.com/joe-fastman/
- Office phone and Email on file: shown at https://lendb.ai/lo/yossef-zfatman-2708673#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2708673
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- state_regulator: https://dfr.oregon.gov/
- state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/
- state_regulator: https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/
- state_regulator: https://dfpi.ca.gov/
- state_regulator: https://www.labor.maryland.gov/finance/
- state_regulator: https://idfpr.illinois.gov/banks/resfin.html
- state_regulator: https://mld.nv.gov/
- lender_site: https://independencehl.com/joe-fastman/

Cite as: Joe Fastman (NMLS 2708673), INDEPENDENCE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/yossef-zfatman-2708673, last verified 2026-10-31.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._