--- canonical_url: https://lendb.ai/lo/kenneth-byrne-187129 json_url: https://lendb.ai/lo/kenneth-byrne-187129.json nmls_id: 187129 last_verified: 2026-10-09 --- # Ken Byrne Branch Partner at ALCOVA Mortgage, Chantilly, VA. NMLS ID 187129 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/187129)). **Summary:** Ken Byrne (NMLS 187129) is Branch Partner at ALCOVA Mortgage, based in Chantilly, VA. Licensed in Florida, confirmed with the state regulator (license LO134450). Also lists District of Columbia, Maryland, North Carolina, South Carolina, Virginia and West Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Bank statement loan, DSCR loan, FHA loan, First-time buyer and Jumbo loan. Licensed since 2025 (per Florida records). States 34 years of experience. Last verified 2026-10-09. ## At a glance - Licensed since 2025 (per Florida records). This is license history on file, not total experience. - Years experience (stated by the LO): 34 (source: https://alcova.com/loan-officer/kbyrne/, verified 2026-10-09) - Licensed in: Florida (FL, confirmed), District of Columbia (DC, lender_reported), Maryland (MD, lender_reported), North Carolina (NC, lender_reported), South Carolina (SC, lender_reported), Virginia (VA, lender_reported), West Virginia (WV, lender_reported) - 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 - **Bank statement loan** (`bank-statement`): lender page, confidence 0.70, verified 2026-10-09. Source: https://alcova.com/loan-officer/kbyrne/ - **DSCR loan** (`dscr`): lender page, confidence 0.70, verified 2026-10-09. Source: https://alcova.com/loan-officer/kbyrne/ - **FHA loan** (`fha`): lender page, confidence 0.70, verified 2026-10-09. Source: https://alcova.com/loan-officer/kbyrne/ - **First-time buyer** (`first-time-buyer`): lender page, confidence 0.70, verified 2026-10-09. Source: https://alcova.com/loan-officer/kbyrne/ - **Jumbo loan** (`jumbo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://alcova.com/loan-officer/kbyrne/ - **Non-QM loan** (`non-qm`): lender page, confidence 0.70, verified 2026-10-09. Source: https://alcova.com/loan-officer/kbyrne/ - **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-09. Source: https://alcova.com/loan-officer/kbyrne/ - **Self-employed** (`self-employed`): lender page, confidence 0.70, verified 2026-10-09. Source: https://alcova.com/loan-officer/kbyrne/ - **USDA loan** (`usda`): lender page, confidence 0.70, verified 2026-10-09. Source: https://alcova.com/loan-officer/kbyrne/ - **VA loan** (`va`): lender page, confidence 0.70, verified 2026-10-09. Source: https://alcova.com/loan-officer/kbyrne/ - **Vacation home** (`vacation-home`): lender page, confidence 0.70, verified 2026-10-09. Source: https://alcova.com/loan-officer/kbyrne/ ## About Ken has 34 years in the mortgage industry with 26 years of President's Club recognition. He specializes in complex deals, working with first-time buyers, self-employed borrowers, veterans, investors, and those in Northern Virginia and across seven states. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - education: George Mason University graduate. Source: https://alcova.com/loan-officer/kbyrne/, verified 2026-10-09. - years_experience: 34. Source: https://alcova.com/loan-officer/kbyrne/, verified 2026-10-09. - credential: 26 years earning President's Club recognition in mortgage industry. Source: https://alcova.com/loan-officer/kbyrne/, verified 2026-10-09. - service_area: Northern Virginia (Fairfax, Loudoun, Prince William counties), Virginia, Maryland, DC, North Carolina, South Carolina, Florida, West Virginia, Tennessee. Source: https://alcova.com/loan-officer/kbyrne/, verified 2026-10-09. - community: Supports Fellowship of Christian Athletes. Source: https://alcova.com/loan-officer/kbyrne/, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO134450 | active | confirmed | 2025-01-09 | state_regulator | 2026-10-09 | | DC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | SC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WV | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: ALCOVA Mortgage (NMLS 40508), Chantilly, VA. Source: https://alcova.com/loan-officer/kbyrne/, 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/187129 ## Contact - linkedin_url: https://www.linkedin.com/in/ken-byrne-6b33a57/ (source: lender_site, verified 2026-10-09) - View profile at ALCOVA Mortgage: https://alcova.com/loan-officer/kbyrne/ - Email on file: shown at https://lendb.ai/lo/kenneth-byrne-187129#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/187129 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - lender_site: https://alcova.com/loan-officer/kbyrne/ Cite as: Ken Byrne (NMLS 187129), ALCOVA Mortgage. LenDb.ai, https://lendb.ai/lo/kenneth-byrne-187129, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._