---
canonical_url: https://lendb.ai/lo/joanie-neal-379483
json_url: https://lendb.ai/lo/joanie-neal-379483.json
nmls_id: 379483
last_verified: 2026-10-10
---

# Joanie Neal

Branch Manager at Lower, Gallatin, TN. NMLS ID 379483 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/379483)).

**Summary:** Joanie Neal (NMLS 379483) is Branch Manager at Lower, based in Gallatin, TN. Lists Alabama, Kentucky and Tennessee on the lender page (not yet checked with the state regulator). Lower also offers FHA loan, First-time buyer, HELOC, Real estate investor and Jumbo loan and 5 more (a lender program, not confirmed as their own focus). States 25 years of experience. Last verified 2026-10-10.

## 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.
- Years experience (stated by the LO): 25 (source: https://www.lower.com/loan-officers/tennessee/nashville/joanie-neal, verified 2026-10-10)
- Licensed in: Alabama (AL, lender_reported), Kentucky (KY, lender_reported), Tennessee (TN, lender_reported)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

### Their lender offers (lender level: Lower's programs, not confirmed as this person's focus)

- **FHA loan** (`fha`): verified 2026-10-10. Source: https://www.lower.com
- **First-time buyer** (`first-time-buyer`): verified 2026-10-10. Source: https://www.lower.com
- **HELOC** (`heloc`): verified 2026-10-10. Source: https://www.lower.com
- **Real estate investor** (`investor`): verified 2026-10-10. Source: https://www.lower.com
- **Jumbo loan** (`jumbo`): verified 2026-10-10. Source: https://www.lower.com
- **Non-QM loan** (`non-qm`): verified 2026-10-10. Source: https://www.lower.com
- **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-10. Source: https://www.lower.com
- **USDA loan** (`usda`): verified 2026-10-10. Source: https://www.lower.com
- **VA loan** (`va`): verified 2026-10-10. Source: https://www.lower.com
- **Vacation home** (`vacation-home`): verified 2026-10-10. Source: https://www.lower.com

## About

Joanie Neal has over 25 years in the mortgage industry and is licensed in Tennessee, Kentucky and Alabama. They serve Gallatin, TN and Franklin, KY.

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

## Video intro available

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

Watch on Lower's site: https://www.lower.com/loan-officers/tennessee/nashville/joanie-neal

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: 25. Source: https://www.lower.com/loan-officers/tennessee/nashville/joanie-neal, verified 2026-10-10.
- service_area: Franklin, KY and Gallatin, TN. Source: https://www.lower.com/loan-officers/tennessee/nashville/joanie-neal, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| AL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| KY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Gallatin, TN. Source: https://www.lower.com/loan-officers/tennessee/nashville/joanie-neal, 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/379483

## Contact

- linkedin_url: https://www.linkedin.com/in/joanie-neal-13181a46/ (source: lender_site, verified 2026-10-10)
- View profile at Lower: https://www.lower.com/loan-officers/tennessee/nashville/joanie-neal
- Email on file: shown at https://lendb.ai/lo/joanie-neal-379483#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/379483
- lender_site: https://www.lower.com/loan-officers/tennessee/nashville/joanie-neal
- lender_site (lender programs): https://www.lower.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Joanie Neal (NMLS 379483), Lower. LenDb.ai, https://lendb.ai/lo/joanie-neal-379483, last verified 2026-10-10.

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