---
canonical_url: https://lendb.ai/lo/stephen-macdonald-104556
json_url: https://lendb.ai/lo/stephen-macdonald-104556.json
nmls_id: 104556
last_verified: 2026-10-09
---

# Stephen MacDonald

Retail Loan Officer at Truist Bank, Cockeysville, MD. NMLS ID 104556 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/104556)).

**Summary:** Stephen MacDonald (NMLS 104556) is Retail Loan Officer at Truist Bank, based in Cockeysville, MD. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: Physician and medical professional, VA loan and Jumbo loan. States 19 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Years experience (stated by the LO): 19 (source: https://www.truist.com/finder/mortgage/stephen-macdonald-retail-loan-officer-cockeysville-md-21030, verified 2026-10-09)
- 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: English
- Profile: unclaimed
- Status: active

## Specialties

- **Physician and medical professional** (`physician`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.truist.com/finder/mortgage/stephen-macdonald-retail-loan-officer-cockeysville-md-21030
- **VA loan** (`va`): lender page, confidence 0.20, verified 2026-10-09. Source: https://www.truist.com/finder/mortgage/stephen-macdonald-retail-loan-officer-cockeysville-md-21030
- **Jumbo loan** (`jumbo`): lender page, confidence 0.10, verified 2026-10-09. Source: https://www.truist.com/finder/mortgage/stephen-macdonald-retail-loan-officer-cockeysville-md-21030

## About

Mortgage professional with over 19 years of experience specializing in physician loans (MD, DO, DPM, DMD, DDS) as well as all loan program types. Works with first-time and seasoned homebuyers, new construction, and refinances.

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

## Facts from the lender page and intro

- years_experience: 19. Source: https://www.truist.com/finder/mortgage/stephen-macdonald-retail-loan-officer-cockeysville-md-21030, verified 2026-10-09.
- credential: Doctor loan specialist. Source: https://www.truist.com/finder/mortgage/stephen-macdonald-retail-loan-officer-cockeysville-md-21030, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: Truist Bank (NMLS 399803), Cockeysville, MD. Source: https://www.truist.com/finder/mortgage/stephen-macdonald-retail-loan-officer-cockeysville-md-21030, 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/104556

## Contact

- View profile at Truist Bank: https://www.truist.com/finder/mortgage/stephen-macdonald-retail-loan-officer-cockeysville-md-21030
- Office phone and Email on file: shown at https://lendb.ai/lo/stephen-macdonald-104556#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/104556
- lender_site: https://www.truist.com/finder/mortgage/stephen-macdonald-retail-loan-officer-cockeysville-md-21030

Cite as: Stephen MacDonald (NMLS 104556), Truist Bank. LenDb.ai, https://lendb.ai/lo/stephen-macdonald-104556, last verified 2026-10-09.

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