---
canonical_url: https://lendb.ai/lo/earnest-m-haynes-jr-1281841
json_url: https://lendb.ai/lo/earnest-m-haynes-jr-1281841.json
nmls_id: 1281841
last_verified: 2026-10-10
---

# Earnest M Haynes Jr

Loan Officer at Lower, Harrisburg, NC. NMLS ID 1281841 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1281841)).

**Summary:** Earnest M Haynes Jr (NMLS 1281841) is Loan Officer at Lower, based in Harrisburg, NC. Lists Georgia, North Carolina, South Carolina and Texas on the lender page (not yet checked with the state regulator). States 8 years of experience. Last verified 2026-10-10.

## 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): 8 (source: https://www.lower.com/loan-officers/north-carolina/harrisburg/earnest-m-haynes-jr, verified 2026-10-10)
- Licensed in: Georgia (GA, lender_reported), North Carolina (NC, lender_reported), South Carolina (SC, lender_reported), Texas (TX, lender_reported)
- 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


## About

Has 8+ years in the mortgage industry and says they guide clients from first-time buyers to experienced investors.

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

## Video intro available

Earnest has a short recorded video intro on Lower's site.

Watch on Lower's site: https://www.lower.com/loan-officers/north-carolina/harrisburg/earnest-m-haynes-jr

The recording is hosted by the lender; LenDb does not copy or transcribe it. Verified 2026-10-10.

## Facts from the lender page and intro

- years_experience: 8. Source: https://www.lower.com/loan-officers/north-carolina/harrisburg/earnest-m-haynes-jr, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| SC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Harrisburg, NC. Source: https://www.lower.com/loan-officers/north-carolina/harrisburg/earnest-m-haynes-jr, verified 2026-10-10.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1281841

## Contact

- linkedin_url: https://www.linkedin.com/in/earnest-haynes-5234611a3/ (source: lender_site, verified 2026-10-10)
- View profile at Lower: https://www.lower.com/loan-officers/north-carolina/harrisburg/earnest-m-haynes-jr
- Email on file: shown at https://lendb.ai/lo/earnest-m-haynes-jr-1281841#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1281841
- lender_site: https://www.lower.com/loan-officers/north-carolina/harrisburg/earnest-m-haynes-jr

Cite as: Earnest M Haynes Jr (NMLS 1281841), Lower. LenDb.ai, https://lendb.ai/lo/earnest-m-haynes-jr-1281841, last verified 2026-10-10.

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