{
  "canonical_url": "https://lendb.ai/lo/steven-lines-204035",
  "lede": {
    "text": "Steven Lines, NMLS 204035, works as a mortgage loan officer at Lender Express Mortgage LLC in Mesa, Arizona and is licensed in Florida, Texas, Colorado and Oregon. Steven's lender page shows a focus on down payment assistance, DSCR loan and first-time buyer, and Steven speaks English and Spanish.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment",
      "licenses",
      "specialties",
      "languages"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Steven licensed in Arizona?",
      "a": "Lender Express Mortgage LLC's page for Steven lists Arizona. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access. LenDb has 5 other states on file for Steven.",
      "fields": [
        "licenses"
      ],
      "source": "lender page",
      "source_url": "https://lenderexpress.com/loan-officer/steven-lines/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "Does Steven do down payment assistance?",
      "a": "Steven's profile lists down payment assistance as a focus (from their lender profile page). It also lists DSCR loan, first-time buyer and real estate investor.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://lenderexpress.com/loan-officer/steven-lines/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Steven work for?",
      "a": "Lender Express Mortgage LLC, company NMLS 1963444, from the Mesa, AZ office, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://lenderexpress.com/loan-officer/steven-lines/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "What languages does Steven speak?",
      "a": "English and Spanish, per their lender page (verified 2026-10-15).",
      "fields": [
        "languages"
      ],
      "source": "lender page",
      "source_url": "https://lenderexpress.com/loan-officer/steven-lines/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Steven been licensed?",
      "a": "The earliest state license record LenDb holds for Steven is from October 8, 2020 (Iowa regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Steven states 25 years of experience.",
      "fields": [
        "earliest_license_record",
        "years_experience"
      ],
      "source": "Iowa state regulator",
      "source_url": "https://idob.iowa.gov/",
      "verified_at": "2026-10-20"
    }
  ],
  "field_notes": {
    "languages": "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."
  },
  "loan_officer": {
    "nmls_id": 204035,
    "slug": "steven-lines-204035",
    "canonical_url": "https://lendb.ai/lo/steven-lines-204035",
    "md_url": "https://lendb.ai/lo/steven-lines-204035.md",
    "json_url": "https://lendb.ai/lo/steven-lines-204035.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/204035",
    "full_name": {
      "value": "Steven Lines",
      "source": "state_regulator",
      "source_url": "https://lenderexpress.com/loan-officer/steven-lines/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Steven",
    "last_name": "Lines",
    "licensed_names": [
      {
        "name": "Steven Lines",
        "name_with_middle_initial": "Steven W. Lines",
        "first_name": "Steven",
        "middle_initial": "W",
        "last_name": "Lines",
        "states": [
          "CO",
          "FL",
          "IA",
          "OR",
          "TX"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-19"
      }
    ],
    "headshot_url": {
      "value": "https://lenderexpress.com/wp-content/uploads/2026/04/steve-lines-lender-express-mor-600x600-1.png",
      "source": "state_regulator",
      "source_url": "https://lenderexpress.com/loan-officer/steven-lines/",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Owner / Loan Officer",
      "source": "state_regulator",
      "source_url": "https://lenderexpress.com/loan-officer/steven-lines/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [
        "en",
        "es"
      ],
      "source": "state_regulator",
      "source_url": "https://lenderexpress.com/loan-officer/steven-lines/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 25,
      "source": "lender_site",
      "source_url": "https://lenderexpress.com/loan-officer/steven-lines/",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 75,
    "current_employment": {
      "lender_nmls_id": 1963444,
      "lender_name": "Lender Express Mortgage LLC",
      "lender_slug": "lender-express-mortgage-llc-1963444",
      "branch_city": "Mesa",
      "branch_state": "AZ",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://lenderexpress.com/loan-officer/steven-lines/",
      "lender_type": "other",
      "source": "state_regulator",
      "source_url": "https://lenderexpress.com/loan-officer/steven-lines/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1963444,
        "lender_name": "Lender Express Mortgage LLC",
        "lender_slug": "lender-express-mortgage-llc-1963444",
        "branch_city": "Mesa",
        "branch_state": "AZ",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://lenderexpress.com/loan-officer/steven-lines/",
        "lender_type": "other",
        "source": "state_regulator",
        "source_url": "https://lenderexpress.com/loan-officer/steven-lines/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO95683",
        "status": "active",
        "issued_at": "2021-10-05",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2021-02-09",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      },
      {
        "state": "AZ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://lenderexpress.com/loan-officer/steven-lines/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": "100520256",
        "status": "active",
        "issued_at": "2020-12-14",
        "source": "state_regulator",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=258173&contact=371832",
        "verified_at": "2026-10-16",
        "confidence": "confirmed",
        "regulator": "co"
      },
      {
        "state": "OH",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://lenderexpress.com/loan-officer/steven-lines/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2021-08-09",
        "source": "state_regulator",
        "source_url": "https://dfr.oregon.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "or"
      },
      {
        "state": "IA",
        "license_type": "state_license",
        "license_number": "39715",
        "status": "inactive",
        "issued_at": "2020-10-08",
        "source": "state_regulator",
        "source_url": "https://idob.iowa.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ia"
      }
    ],
    "specialties": [
      {
        "slug": "down-payment-assistance",
        "label": "Down payment assistance",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://lenderexpress.com/loan-officer/steven-lines/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "dscr",
        "label": "DSCR loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://lenderexpress.com/loan-officer/steven-lines/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://lenderexpress.com/loan-officer/steven-lines/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://lenderexpress.com/loan-officer/steven-lines/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://lenderexpress.com/loan-officer/steven-lines/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://lenderexpress.com/loan-officer/steven-lines/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [
      {
        "slug": "va",
        "label": "VA loan",
        "lender_nmls_id": 1963444,
        "lender_name": "Lender Express Mortgage LLC",
        "source": "state_regulator",
        "source_url": "https://lenderexpress.com",
        "verified_at": "2026-10-13"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 1996",
        "source": "lender_site",
        "source_url": "https://lenderexpress.com/loan-officer/steven-lines/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "years_experience",
        "value": "25",
        "source": "lender_site",
        "source_url": "https://lenderexpress.com/loan-officer/steven-lines/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "role",
        "value": "Reopened Lender Express as an independent brokerage in 2020",
        "source": "lender_site",
        "source_url": "https://lenderexpress.com/loan-officer/steven-lines/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "credential",
        "value": "Licensed instructor teaching pre-licensing and continuing education courses",
        "source": "lender_site",
        "source_url": "https://lenderexpress.com/loan-officer/steven-lines/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "education",
        "value": "Accounting degree at ASU (finishing while working as a loan officer)",
        "source": "lender_site",
        "source_url": "https://lenderexpress.com/loan-officer/steven-lines/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "other",
        "value": "Has spoken at national mortgage technology conferences",
        "source": "lender_site",
        "source_url": "https://lenderexpress.com/loan-officer/steven-lines/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-20",
    "updated_at": "2026-10-20 22:59:37.914776+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office"
      ],
      "reveal_url": "https://lendb.ai/lo/steven-lines-204035#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://lenderexpress.com/loan-officer/steven-lines/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2020-10-08",
      "state": "IA"
    },
    "licensed_since": {
      "year": 2020,
      "state": "IA"
    },
    "federal_registration": null
  }
}