---
canonical_url: https://lendb.ai/lo/tawna-leonard-930916
json_url: https://lendb.ai/lo/tawna-leonard-930916.json
nmls_id: 930916
last_verified: 2026-10-10
---

# Tawna Leonard

Loan Officer at Lower, Billings, MT. NMLS ID 930916 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/930916)).

**Summary:** Tawna Leonard (NMLS 930916) is Loan Officer at Lower, based in Billings, MT. Lists Arizona, Montana and Wyoming on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: VA loan. Lower also offers FHA loan, First-time buyer, HELOC, Real estate investor and Jumbo loan and 4 more (a lender program, not confirmed as their own focus). Last verified 2026-10-10.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Arizona (AZ, lender_reported), Montana (MT, lender_reported), Wyoming (WY, lender_reported)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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
- Profile: unclaimed
- Status: active

## Specialties

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

- **VA loan** (`va`): from their lender profile page, confidence 0.85, verified 2026-10-10. Source: https://www.lower.com/loan-officers/montana/billings/tawna-leonard

### Their lender offers (lender level: Lower's programs, not confirmed as this person's focus)

- **FHA loan** (`fha`): verified 2026-10-10. Source: https://www.lower.com
- **First-time buyer** (`first-time-buyer`): verified 2026-10-10. Source: https://www.lower.com
- **HELOC** (`heloc`): verified 2026-10-10. Source: https://www.lower.com
- **Real estate investor** (`investor`): verified 2026-10-10. Source: https://www.lower.com
- **Jumbo loan** (`jumbo`): verified 2026-10-10. Source: https://www.lower.com
- **Non-QM loan** (`non-qm`): verified 2026-10-10. Source: https://www.lower.com
- **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-10. Source: https://www.lower.com
- **USDA loan** (`usda`): verified 2026-10-10. Source: https://www.lower.com
- **Vacation home** (`vacation-home`): verified 2026-10-10. Source: https://www.lower.com

## About

Tawna Leonard specializes in first-time buyers, down payment assistance, FHA and USDA loans, and is a certified VA lending specialist. Licensed in MT, WY and AZ.

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

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| MT | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| WY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Billings, MT. Source: https://www.lower.com/loan-officers/montana/billings/tawna-leonard, verified 2026-10-10.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/930916

## Contact

- View profile at Lower: https://www.lower.com/loan-officers/montana/billings/tawna-leonard
- Office phone and Email on file: shown at https://lendb.ai/lo/tawna-leonard-930916#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/930916
- lender_site: https://www.lower.com/loan-officers/montana/billings/tawna-leonard
- lender_site (lender programs): https://www.lower.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Tawna Leonard (NMLS 930916), Lower. LenDb.ai, https://lendb.ai/lo/tawna-leonard-930916, last verified 2026-10-10.

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