Krystal Stearns (NMLS 270741) is a mortgage loan officer at UMortgage LLC, licensed in Iowa since 2023 and in Florida, Texas, Connecticut and 3 more states.
Last verified . Sources: UMortgage LLC (securities.arkansas.gov), Florida state regulator, Texas state regulator, Connecticut state regulator, Missouri state regulator, Arkansas state regulator, Iowa state regulator, California state regulator, Wyoming state regulator, Illinois state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: February 8, 2023 (Iowa), per state regulator
- 7 states
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is Krystal licensed in Florida?
- Yes. Florida regulator records list license LO149500 as active, first effective July 15, 2026 (verified 2026-10-15). LenDb has 6 other states on file for Krystal.
- Source: Florida state regulator (opens in a new tab)
- What lender does Krystal work for?
- UMortgage LLC, company NMLS 1457759, per the lender's own site (verified 2026-10-20).
- Source: lender site (opens in a new tab)
- How long has Krystal been licensed?
- The earliest state license record LenDb holds for Krystal is from February 8, 2023 (Iowa regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
- Source: Iowa state regulator (opens in a new tab)
Specialties
Focus
No focus listed on their lender page yet.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
Florida, Texas, Connecticut, Missouri, Arkansas, Iowa, Illinois
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO149500, first effective 2026-07-15), TX (opens in a new tab), CT (opens in a new tab) (LO-270741), MO (opens in a new tab), AR (opens in a new tab), IA (opens in a new tab) (49980, first effective 2023-02-08), IL (opens in a new tab) (31.0095705, first effective 2026-07-22), verified 2026-10-15. Source: State of Missouri (see disclaimer).
Regulator records not active: CA DFPI (inactive), WY (inactive).
Contact
No public business contact on file.
We never see who you contact.
Employment history
UMortgage LLC NMLS 1457759
Current · seen on lender site 2026-10-20
NEXA Mortgage NMLS 1660690
Current · seen on lender site 2026-10-13
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
Sources
| Name and employer | state regulator · securities.arkansas.gov (opens in a new tab) | verified 2026-10-20 |
| Licenses (regulator) | state regulator · idfpr.illinois.gov (opens in a new tab) | verified 2026-10-28 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Krystal Stearns (NMLS 270741), UMortgage LLC. LenDb.ai, https://lendb.ai/lo/krystal-stearns-270741, last verified 2026-10-28.
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