---
canonical_url: https://lendb.ai/lo/joy-albano-347454
json_url: https://lendb.ai/lo/joy-albano-347454.json
nmls_id: 347454
last_verified: 2026-10-09
---

# Joy Irene Clinebell

Loan Originator at Barrett Financial Group, Chandler, AZ. NMLS ID 347454 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/347454)).

**Summary:** Joy Irene Clinebell (NMLS 347454) is Loan Originator at Barrett Financial Group, based in Chandler, AZ. Licensed in Florida, confirmed with the state regulator (license LO130280). Earliest state license record: July 16, 2024 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: July 16, 2024 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed)
- 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

Joy Clinebell is a loan originator focused on helping borrowers explore financing options for home purchases, sales, refinances, and new construction. They commit to providing mortgage services that exceed customer expectations.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO130280 | active | confirmed | 2024-07-16 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Barrett Financial Group (NMLS 181106), Chandler, AZ. Source: https://www.barrettfinancial.com/jalbano, 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/347454

## Contact

- View profile at Barrett Financial Group: https://www.barrettfinancial.com/jalbano
- Office phone and Email on file: shown at https://lendb.ai/lo/joy-albano-347454#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/347454
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.barrettfinancial.com/jalbano

Cite as: Joy Irene Clinebell (NMLS 347454), Barrett Financial Group. LenDb.ai, https://lendb.ai/lo/joy-albano-347454, last verified 2026-10-09.

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