--- canonical_url: https://lendb.ai/lo/steven-lines-204035 json_url: https://lendb.ai/lo/steven-lines-204035.json nmls_id: 204035 last_verified: 2026-10-20 --- # Steven Lines Owner / Loan Officer at Lender Express Mortgage LLC, Mesa, AZ. NMLS ID 204035 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/204035)). 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. **Summary:** Steven Lines (NMLS 204035) is Owner / Loan Officer at Lender Express Mortgage LLC, based in Mesa, AZ. Licensed in 4 states confirmed with state regulators: Florida, Texas, Colorado and Oregon. Also lists Arizona and Ohio on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance, DSCR loan, First-time buyer, Real estate investor and Self-employed. Lender Express Mortgage LLC also offers VA loan (a lender program, not confirmed as their own focus). Speaks English and Spanish. Earliest state license record: October 8, 2020 (Iowa), per state regulator. States 25 years of experience. Last verified 2026-10-20. ## Quick answers ### Is Steven licensed in Arizona? 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. Source: https://lenderexpress.com/loan-officer/steven-lines/. ### Does Steven do down payment assistance? 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. Source: https://lenderexpress.com/loan-officer/steven-lines/. ### What lender does Steven work for? Lender Express Mortgage LLC, company NMLS 1963444, from the Mesa, AZ office, per the lender's own site (verified 2026-10-15). Source: https://lenderexpress.com/loan-officer/steven-lines/. ### What languages does Steven speak? English and Spanish, per their lender page (verified 2026-10-15). Source: https://lenderexpress.com/loan-officer/steven-lines/. ### How long has Steven been licensed? 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. Source: https://idob.iowa.gov/. ## At a glance - Earliest state license record: October 8, 2020 (Iowa), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 25 (source: https://lenderexpress.com/loan-officer/steven-lines/, verified 2026-10-15) - Also licensed as (state regulator records, same NMLS ID): Steven W. Lines (CO, FL, IA, OR, TX, as of 2026-10-19) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Arizona (AZ, lender_reported), Colorado (CO, confirmed), Ohio (OH, lender_reported), Oregon (OR, 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: English, Spanish (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) - **Down payment assistance** (`down-payment-assistance`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://lenderexpress.com/loan-officer/steven-lines/ - **DSCR loan** (`dscr`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://lenderexpress.com/loan-officer/steven-lines/ - **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.50, verified 2026-10-26. Source: https://lenderexpress.com/loan-officer/steven-lines/ - **Real estate investor** (`investor`): from their lender profile page, confidence 0.50, verified 2026-10-26. Source: https://lenderexpress.com/loan-officer/steven-lines/ - **Self-employed** (`self-employed`): from their lender profile page, confidence 0.50, verified 2026-10-26. Source: https://lenderexpress.com/loan-officer/steven-lines/ - **FHA loan** (`fha`): from their lender profile page, confidence 0.10, verified 2026-10-26. Source: https://lenderexpress.com/loan-officer/steven-lines/ ### Their lender offers (lender level: Lender Express Mortgage LLC's programs, not confirmed as this person's focus) - **VA loan** (`va`): verified 2026-10-13. Source: https://lenderexpress.com ## Facts from the lender page and intro - years_experience: since 1996. Source: https://lenderexpress.com/loan-officer/steven-lines/, verified 2026-10-15. - years_experience: 25. Source: https://lenderexpress.com/loan-officer/steven-lines/, verified 2026-10-15. - role: Reopened Lender Express as an independent brokerage in 2020. Source: https://lenderexpress.com/loan-officer/steven-lines/, verified 2026-10-15. - credential: Licensed instructor teaching pre-licensing and continuing education courses. Source: https://lenderexpress.com/loan-officer/steven-lines/, verified 2026-10-15. - education: Accounting degree at ASU (finishing while working as a loan officer). Source: https://lenderexpress.com/loan-officer/steven-lines/, verified 2026-10-15. - other: Has spoken at national mortgage technology conferences. Source: https://lenderexpress.com/loan-officer/steven-lines/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO95683 | active | confirmed | 2021-10-05 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2021-02-09 | state_regulator | 2026-10-13 | | AZ | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | CO | Colorado regulator | state_license | 100520256 | active | confirmed | 2020-12-14 | state_regulator | 2026-10-16 | | OH | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | OR | Oregon regulator | state_license | n/a | active | confirmed | 2021-08-09 | state_regulator | 2026-10-20 | | IA | Iowa regulator | state_license | 39715 | inactive | confirmed | 2020-10-08 | state_regulator | 2026-10-20 | ## Employment history - ? to present: Lender Express Mortgage LLC (NMLS 1963444), Mesa, AZ. Source: https://lenderexpress.com/loan-officer/steven-lines/, verified 2026-10-15. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/204035 ## Contact - View profile at Lender Express Mortgage LLC: https://lenderexpress.com/loan-officer/steven-lines/ - Office phone on file: shown at https://lendb.ai/lo/steven-lines-204035#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/204035 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - lender_site: https://lenderexpress.com/loan-officer/steven-lines/ - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=258173&contact=371832 - state_regulator: https://dfr.oregon.gov/ - state_regulator: https://idob.iowa.gov/ - state_regulator (lender programs): https://lenderexpress.com Cite as: Steven Lines (NMLS 204035), Lender Express Mortgage LLC. LenDb.ai, https://lendb.ai/lo/steven-lines-204035, last verified 2026-10-20. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._