---
canonical_url: https://lendb.ai/lo/christine-m-howard-271897
json_url: https://lendb.ai/lo/christine-m-howard-271897.json
nmls_id: 271897
last_verified: 2026-10-16
---

# Christine M. Howard

Mortgage Lender at Bank Five Nine. NMLS ID 271897 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/271897)).

Christine M. Howard (NMLS 271897) is a Mortgage Lender at Bank Five Nine.

**Summary:** Christine M. Howard (NMLS 271897) 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. Earliest state license record: April 11, 2019 (Wisconsin), per state regulator. States 28 years of experience. Last verified 2026-10-16.

## Quick answers

### Is Christine licensed?

Christine 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.

### What lender does Christine 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/christine-m-howard/.

### How long has Christine been licensed?

The earliest state license record LenDb holds for Christine is from April 11, 2019 (Wisconsin regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Christine states 28 years of experience. Source: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/.

## At a glance

- Earliest state license record: April 11, 2019 (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): 28 (source: https://www.bankfivenine.com/banker/mortgage-lenders/christine-m-howard/, verified 2026-10-16)
- 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)

- None on file yet.

## Facts from the lender page and intro

- years_experience: 28. Source: https://www.bankfivenine.com/banker/mortgage-lenders/christine-m-howard/, verified 2026-10-16.
- community: Serves a 6th term on the Waukesha County Board of Supervisors. Source: https://www.bankfivenine.com/banker/mortgage-lenders/christine-m-howard/, verified 2026-10-16.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| WI | Wisconsin regulator | state_license | 271897 | expired | confirmed | 2019-04-11 | state_regulator | 2026-10-21 |

## Employment history

- ? to present: Bank Five Nine (NMLS 410817). Source: https://www.bankfivenine.com/banker/mortgage-lenders/christine-m-howard/, 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/271897

## Contact

- linkedin_url: https://www.linkedin.com/in/christinehowardmortgage/ (source: lender_site, verified 2026-10-16)
- View profile at Bank Five Nine: https://www.bankfivenine.com/banker/mortgage-lenders/christine-m-howard/
- Office phone and Email on file: shown at https://lendb.ai/lo/christine-m-howard-271897#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/271897
- state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/
- lender_site: https://www.bankfivenine.com/banker/mortgage-lenders/christine-m-howard/

Cite as: Christine M. Howard (NMLS 271897), Bank Five Nine. LenDb.ai, https://lendb.ai/lo/christine-m-howard-271897, last verified 2026-10-16.

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