--- canonical_url: https://lendb.ai/lo/james-barnett-272971 json_url: https://lendb.ai/lo/james-barnett-272971.json nmls_id: 272971 last_verified: 2026-10-26 --- # James Barnett Mortgage Lender at Bank Five Nine. NMLS ID 272971 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/272971)). James Barnett (NMLS 272971) is a Mortgage Lender at Bank Five Nine. James's lender page shows a focus on construction loan, VA loan and HELOC. **Summary:** James Barnett (NMLS 272971) is Mortgage Lender at Bank Five Nine. 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: Construction loan, VA loan and HELOC. Earliest state license record: June 30, 2005 (Wisconsin), per state regulator. States 34 years of experience. Last verified 2026-10-26. ## Quick answers ### Is James licensed? James works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access. Source: employer type in LenDb's lender registry. ### Does James do construction loans? James's profile lists construction loan as a focus (from their lender profile page). It also lists VA loan and HELOC. Source: https://www.bankfivenine.com/banker/mortgage-lenders/jamesbarnett/. ### What lender does James work for? Bank Five Nine, company NMLS 410817, per the lender's own site (verified 2026-10-26). Source: https://www.bankfivenine.com/banker/mortgage-lenders/jamesbarnett/. ### How long has James been licensed? The earliest state license record LenDb holds for James is from June 30, 2005 (Wisconsin regulator). That is a record date from the rosters we hold, not proof of continuous licensure. James states 34 years of experience. Source: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/. ## At a glance - Earliest state license record: June 30, 2005 (Wisconsin), 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): 34 (source: https://www.bankfivenine.com/banker/mortgage-lenders/jamesbarnett/, verified 2026-10-26) - 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 (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) - **Construction loan** (`construction`): from their lender profile page, confidence 0.85, verified 2026-10-26. Source: https://www.bankfivenine.com/banker/mortgage-lenders/jamesbarnett/ - **VA loan** (`va`): from their lender profile page, confidence 0.85, verified 2026-10-26. Source: https://www.bankfivenine.com/banker/mortgage-lenders/jamesbarnett/ - **HELOC** (`heloc`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://www.bankfivenine.com/banker/mortgage-lenders/jamesbarnett/ ## Facts from the lender page and intro - years_experience: 34. Source: https://www.bankfivenine.com/banker/mortgage-lenders/jamesbarnett/, verified 2026-10-26. - years_experience: 38. Source: https://www.bankfivenine.com/banker/mortgage-lenders/jamesbarnett/, verified 2026-10-26. - service_area: Wisconsin and 44 other states. Source: https://www.bankfivenine.com/banker/mortgage-lenders/jamesbarnett/, verified 2026-10-26. - community: youth ministry. Source: https://www.bankfivenine.com/banker/mortgage-lenders/jamesbarnett/, verified 2026-10-26. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | WI | Wisconsin regulator | state_license | 44137 | expired | confirmed | 2005-06-30 | state_regulator | 2026-10-21 | ## Employment history - ? to present: Bank Five Nine (NMLS 410817). Source: https://www.bankfivenine.com/banker/mortgage-lenders/jamesbarnett/, verified 2026-10-26. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/272971 ## Contact - View profile at Bank Five Nine: https://www.bankfivenine.com/banker/mortgage-lenders/jamesbarnett/ - Office phone and Email on file: shown at https://lendb.ai/lo/james-barnett-272971#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/272971 - state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/ - lender_site: https://www.bankfivenine.com/banker/mortgage-lenders/jamesbarnett/ Cite as: James Barnett (NMLS 272971), Bank Five Nine. LenDb.ai, https://lendb.ai/lo/james-barnett-272971, last verified 2026-10-26. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._