{
  "canonical_url": "https://lendb.ai/lo/d-lon-downing-119212",
  "loan_officer": {
    "nmls_id": 119212,
    "slug": "d-lon-downing-119212",
    "canonical_url": "https://lendb.ai/lo/d-lon-downing-119212",
    "md_url": "https://lendb.ai/lo/d-lon-downing-119212.md",
    "json_url": "https://lendb.ai/lo/d-lon-downing-119212.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/119212",
    "full_name": {
      "value": "D.Lon Downing",
      "source": "lender_site",
      "source_url": "https://townebankmortgage.com/officers/d-lon-downing/",
      "verified_at": "2026-10-09"
    },
    "first_name": "D.Lon",
    "last_name": "Downing",
    "headshot_url": {
      "value": "https://townebankmortgage.com/getattachment/94d43d36-ab1e-4fde-ac17-b60f281a0802/Downing_D-Lon_Web.jpg?lang=en-US&ext=.jpg",
      "source": "lender_site",
      "source_url": "https://townebankmortgage.com/officers/d-lon-downing/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "D. Lon Downing brings extensive residential lending experience and a personalized, consultative approach. Serving the greater Wilmington, NC area, they help borrowers understand options and choose solutions aligned with their financial goals.",
      "source": "lender_site",
      "source_url": "https://townebankmortgage.com/officers/d-lon-downing/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Senior Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://townebankmortgage.com/officers/d-lon-downing/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://townebankmortgage.com/officers/d-lon-downing/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 512138,
      "lender_name": "TowneBank Mortgage",
      "lender_slug": "townebank-mortgage-512138",
      "branch_city": "Wilmington",
      "branch_state": "NC",
      "branch_zip": "28403",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://townebankmortgage.com/officers/d-lon-downing/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://townebankmortgage.com/officers/d-lon-downing/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 512138,
        "lender_name": "TowneBank Mortgage",
        "lender_slug": "townebank-mortgage-512138",
        "branch_city": "Wilmington",
        "branch_state": "NC",
        "branch_zip": "28403",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://townebankmortgage.com/officers/d-lon-downing/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://townebankmortgage.com/officers/d-lon-downing/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/d-lon-downing-2072aa10/",
        "source": "lender_site",
        "source_url": "https://townebankmortgage.com/officers/d-lon-downing/",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "credential",
        "value": "2-time Chairman's Club winner (2020, 2021)",
        "source": "lender_site",
        "source_url": "https://townebankmortgage.com/officers/d-lon-downing/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Greater Wilmington, NC area",
        "source": "lender_site",
        "source_url": "https://townebankmortgage.com/officers/d-lon-downing/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 06:55:52.930046+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/d-lon-downing-119212#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://townebankmortgage.com/officers/d-lon-downing/",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}