---
canonical_url: https://lendb.ai/lo/krystal-stearns-270741
json_url: https://lendb.ai/lo/krystal-stearns-270741.json
nmls_id: 270741
last_verified: 2026-10-28
---

# Krystal Stearns

Loan officer at UMortgage LLC. NMLS ID 270741 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/270741)).

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.

**Summary:** Krystal Stearns (NMLS 270741) is a loan officer at UMortgage LLC. Licensed in 7 states confirmed with state regulators: Florida, Texas, Connecticut, Missouri, Arkansas, Iowa and Illinois. Earliest state license record: February 8, 2023 (Iowa), per state regulator. Last verified 2026-10-28.

## 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: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip.

### What lender does Krystal work for?

UMortgage LLC, company NMLS 1457759, per the lender's own site (verified 2026-10-20). Source: https://securities.arkansas.gov/loans/nmls/.

### 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: https://idob.iowa.gov/.

## At a glance

- Earliest state license record: February 8, 2023 (Iowa), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Also licensed as (state regulator records, same NMLS ID): Krystal L. Stearns (AR, CA, CT, FL, IA, MO, TX, WY, as of 2026-10-27)
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Connecticut (CT, confirmed), Missouri (MO, confirmed), Arkansas (AR, confirmed), Iowa (IA, confirmed), Illinois (IL, 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.)
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO149500 | active | confirmed | 2026-07-15 | state_regulator | 2026-10-15 |
| TX | Texas regulator | state_license | n/a | active | confirmed | 2023-12-28 | state_regulator | 2026-10-13 |
| CT | Connecticut regulator | state_license | LO-270741 | active | confirmed |  | state_regulator | 2026-10-15 |
| MO | Missouri regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-19 |
| AR | Arkansas regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-20 |
| IA | Iowa regulator | state_license | 49980 | active | confirmed | 2023-02-08 | state_regulator | 2026-10-20 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI270741 | inactive | confirmed | 2024-01-17 | state_regulator | 2026-10-24 |
| WY | Wyoming regulator | state_license | 108989 | inactive | confirmed | 2025-08-12 | state_regulator | 2026-10-27 |
| IL | Illinois regulator | state_license | 31.0095705 | active | confirmed | 2026-07-22 | state_regulator | 2026-10-28 |

## Employment history

- ? to present: UMortgage LLC (NMLS 1457759). Source: https://securities.arkansas.gov/loans/nmls/, verified 2026-10-20.
- ? to present: NEXA Mortgage (NMLS 1660690). Source: https://www.sml.texas.gov/, verified 2026-10-13.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/270741

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/270741
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut
- state_regulator: https://finance.mo.gov/banks-0/bank-licensee-search
- state_regulator: https://securities.arkansas.gov/loans/nmls/
- state_regulator: https://idob.iowa.gov/
- state_regulator: https://dfpi.ca.gov/
- state_regulator: https://wyomingbankingdivision.wyo.gov/
- state_regulator: https://idfpr.illinois.gov/banks/resfin.html

Cite as: Krystal Stearns (NMLS 270741), UMortgage LLC. LenDb.ai, https://lendb.ai/lo/krystal-stearns-270741, last verified 2026-10-28.

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