---
canonical_url: https://lendb.ai/lo/justin-neal-400661
json_url: https://lendb.ai/lo/justin-neal-400661.json
nmls_id: 400661
last_verified: 2026-10-15
---

# Justin Neal

VP of Talent Acquisition / Loan Officer at Summit Mortgage Corporation, Plymouth, MN. NMLS ID 400661 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/400661)).

**Summary:** Justin Neal (NMLS 400661) is VP of Talent Acquisition / Loan Officer at Summit Mortgage Corporation, based in Plymouth, MN. Licensed in Florida, confirmed with the state regulator (license LO145672). Also lists Louisiana, Minnesota and Wisconsin on the lender page (not yet checked with the state regulator). Summit Mortgage Corporation also offers Down payment assistance, FHA loan, Jumbo loan, USDA loan and VA loan (a lender program, not confirmed as their own focus). Earliest state license record: March 9, 2026 (Florida), per state regulator. States 27 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: March 9, 2026 (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): 27 (source: https://www.summit-mortgage.com/loan-officer/justin-neal/, verified 2026-10-15)
- Licensed in: Florida (FL, confirmed), Louisiana (LA, lender_reported), Minnesota (MN, lender_reported), Wisconsin (WI, 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: English
- 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: Summit Mortgage Corporation's programs, not confirmed as this person's focus)

- **Down payment assistance** (`down-payment-assistance`): verified 2026-10-13. Source: https://www.summit-mortgage.com
- **FHA loan** (`fha`): verified 2026-10-13. Source: https://www.summit-mortgage.com
- **Jumbo loan** (`jumbo`): verified 2026-10-13. Source: https://www.summit-mortgage.com
- **USDA loan** (`usda`): verified 2026-10-13. Source: https://www.summit-mortgage.com
- **VA loan** (`va`): verified 2026-10-13. Source: https://www.summit-mortgage.com

## Facts from the lender page and intro

- years_experience: 27. Source: https://www.summit-mortgage.com/loan-officer/justin-neal/, verified 2026-10-15.
- service_area: Twin Cities. Source: https://www.summit-mortgage.com/loan-officer/justin-neal/, verified 2026-10-15.
- service_area: Minnesota and other states where licensed. Source: https://www.summit-mortgage.com/loan-officer/justin-neal/, verified 2026-10-15.
- other: Based in Coon Rapids. Source: https://www.summit-mortgage.com/loan-officer/justin-neal/, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO145672 | active | confirmed | 2026-03-09 | state_regulator | 2026-10-15 |
| LA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| MN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| WI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |

## Employment history

- ? to present: Summit Mortgage Corporation (NMLS 1041), Plymouth, MN. Source: https://www.summit-mortgage.com/loan-officer/justin-neal/, 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/400661

## Contact

- linkedin_url: https://www.linkedin.com/in/justindneal/ (source: lender_site, verified 2026-10-15)
- View profile at Summit Mortgage Corporation: https://www.summit-mortgage.com/loan-officer/justin-neal/
- Email on file: shown at https://lendb.ai/lo/justin-neal-400661#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/400661
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.summit-mortgage.com/loan-officer/justin-neal/
- state_regulator (lender programs): https://www.summit-mortgage.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Justin Neal (NMLS 400661), Summit Mortgage Corporation. LenDb.ai, https://lendb.ai/lo/justin-neal-400661, last verified 2026-10-15.

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