---
canonical_url: https://lendb.ai/lo/david-joyner-116874
json_url: https://lendb.ai/lo/david-joyner-116874.json
nmls_id: 116874
last_verified: 2026-10-09
---

# David Joyner

VP/ Mortgage Sales Manager at TowneBank Mortgage, Kitty Hawk, NC. NMLS ID 116874 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/116874)).

**Summary:** David Joyner (NMLS 116874) is VP/ Mortgage Sales Manager at TowneBank Mortgage, based in Kitty Hawk, NC. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: First-time buyer, Self-employed, Real estate investor and Vacation home. States 20 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Years experience (stated by the LO): 20 (source: https://townebankmortgage.com/officers/david-joyner/, verified 2026-10-09)
- 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
- Profile: unclaimed
- Status: active

## Specialties

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.85, verified 2026-10-09. Source: https://townebankmortgage.com/officers/david-joyner/
- **Self-employed** (`self-employed`): lender page, confidence 0.85, verified 2026-10-09. Source: https://townebankmortgage.com/officers/david-joyner/
- **Real estate investor** (`investor`): lender page, confidence 0.75, verified 2026-10-09. Source: https://townebankmortgage.com/officers/david-joyner/
- **Vacation home** (`vacation-home`): lender page, confidence 0.60, verified 2026-10-09. Source: https://townebankmortgage.com/officers/david-joyner/

## About

David Joyner has 20 years of industry experience and is a 4-time Chairman's Club winner. He specializes in working with first-time buyers, self-employed buyers, and investors, serving the Outer Banks area with expertise in diverse borrower situations.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 20. Source: https://townebankmortgage.com/officers/david-joyner/, verified 2026-10-09.
- credential: 4-time Chairman's Club Winner. Source: https://townebankmortgage.com/officers/david-joyner/, verified 2026-10-09.
- community: Past president of Kitty Hawk Rotary, member of Outer Banks Association of Realtors, past board member and member of Outer Banks Chamber of Commerce, board member for East Carolina University Visitors,. Source: https://townebankmortgage.com/officers/david-joyner/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: TowneBank Mortgage (NMLS 512138), Kitty Hawk, NC. Source: https://townebankmortgage.com/officers/david-joyner/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/116874

## Contact

- linkedin_url: https://www.linkedin.com/in/david-joyner-412a527 (source: lender_site, verified 2026-10-09)
- View profile at TowneBank Mortgage: https://townebankmortgage.com/officers/david-joyner/
- Office phone and Email on file: shown at https://lendb.ai/lo/david-joyner-116874#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/116874
- lender_site: https://townebankmortgage.com/officers/david-joyner/

Cite as: David Joyner (NMLS 116874), TowneBank Mortgage. LenDb.ai, https://lendb.ai/lo/david-joyner-116874, last verified 2026-10-09.

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