---
canonical_url: https://lendb.ai/lo/kristy-nalley-488931
json_url: https://lendb.ai/lo/kristy-nalley-488931.json
nmls_id: 488931
last_verified: 2026-10-09
---

# Kristy Nalley

Mortgage Loan Originator at U.S. Bank, Owensboro, KY. NMLS ID 488931 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/488931)).

**Summary:** Kristy Nalley (NMLS 488931) is Mortgage Loan Originator at U.S. Bank, based in Owensboro, KY. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Last verified 2026-10-09.

## 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.
- 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
- Profile: unclaimed
- Status: active

## Specialties


## About

Kristy is a mortgage loan originator with a private wealth mortgage banking certification, serving clients in Owensboro with personalized home financing solutions.

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

## Facts from the lender page and intro

- credential: Private wealth mortgage banker. Source: https://mortgage.usbank.com/ky/owensboro/kristy-nalley-488931, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: U.S. Bank (NMLS 402761), Owensboro, KY. Source: https://mortgage.usbank.com/ky/owensboro/kristy-nalley-488931, 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/488931

## Contact

- View profile at U.S. Bank: https://mortgage.usbank.com/ky/owensboro/kristy-nalley-488931
- Office phone and Email on file: shown at https://lendb.ai/lo/kristy-nalley-488931#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/488931
- lender_site: https://mortgage.usbank.com/ky/owensboro/kristy-nalley-488931

Cite as: Kristy Nalley (NMLS 488931), U.S. Bank. LenDb.ai, https://lendb.ai/lo/kristy-nalley-488931, last verified 2026-10-09.

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