---
canonical_url: https://lendb.ai/lo/j-carnes-1809025
json_url: https://lendb.ai/lo/j-carnes-1809025.json
nmls_id: 1809025
last_verified: 2026-10-15
---

# J Carnes

Loan Originator at Lender Express Mortgage LLC, Mesa, AZ. NMLS ID 1809025 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1809025)).

Based in Mesa, Arizona, J Carnes (NMLS 1809025) is a Loan Originator at Lender Express Mortgage LLC.

**Summary:** J Carnes (NMLS 1809025) is Loan Originator at Lender Express Mortgage LLC, based in Mesa, AZ. Lender Express Mortgage LLC also offers FHA loan and VA loan (a lender program, not confirmed as their own focus). Last verified 2026-10-15.

## Quick answers

### What lender does J work for?

Lender Express Mortgage LLC, company NMLS 1963444, from the Mesa, AZ office, per the lender's own site (verified 2026-10-15). Source: https://lenderexpress.com/loan-officer/j-carnes/.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: no license list on file; check NMLS Consumer Access
- 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.

### Their lender offers (lender level: Lender Express Mortgage LLC's programs, not confirmed as this person's focus)

- **FHA loan** (`fha`): verified 2026-10-13. Source: https://lenderexpress.com
- **VA loan** (`va`): verified 2026-10-13. Source: https://lenderexpress.com

## Licenses

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

## Employment history

- ? to present: Lender Express Mortgage LLC (NMLS 1963444), Mesa, AZ. Source: https://lenderexpress.com/loan-officer/j-carnes/, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1809025

## Contact

- View profile at Lender Express Mortgage LLC: https://lenderexpress.com/loan-officer/j-carnes/
- Office phone on file: shown at https://lendb.ai/lo/j-carnes-1809025#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1809025
- lender_site: https://lenderexpress.com/loan-officer/j-carnes/
- state_regulator (lender programs): https://lenderexpress.com

Cite as: J Carnes (NMLS 1809025), Lender Express Mortgage LLC. LenDb.ai, https://lendb.ai/lo/j-carnes-1809025, last verified 2026-10-15.

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