---
canonical_url: https://lendb.ai/lo/evelyn-o-neal-69998
json_url: https://lendb.ai/lo/evelyn-o-neal-69998.json
nmls_id: 69998
last_verified: 2026-10-09
---

# Lynn O'Neal

Mortgage Sales Manager at TowneBank Mortgage, Wilmington, NC. NMLS ID 69998 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/69998)).

**Summary:** Lynn O'Neal (NMLS 69998) is Mortgage Sales Manager at TowneBank Mortgage, based in Wilmington, NC. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Earliest state license record: May 20, 2022 (Florida), per state regulator. States 20 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: May 20, 2022 (Florida), 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): 20 (source: https://townebankmortgage.com/officers/lynn-o-neal/, 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


## About

Lynn is an experienced lender with over 20 years in the mortgage industry, helping borrowers with home purchases, investment properties, and refinancing.

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/lynn-o-neal/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO107989 | expired | confirmed | 2022-05-20 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: TowneBank Mortgage (NMLS 512138), Wilmington, NC. Source: https://townebankmortgage.com/officers/lynn-o-neal/, 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/69998

## Contact

- View profile at TowneBank Mortgage: https://townebankmortgage.com/officers/lynn-o-neal/
- Office phone and Email on file: shown at https://lendb.ai/lo/evelyn-o-neal-69998#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/69998
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://townebankmortgage.com/officers/lynn-o-neal/

Cite as: Lynn O'Neal (NMLS 69998), TowneBank Mortgage. LenDb.ai, https://lendb.ai/lo/evelyn-o-neal-69998, last verified 2026-10-09.

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