---
canonical_url: https://lendb.ai/lo/william-earnest-2769700
json_url: https://lendb.ai/lo/william-earnest-2769700.json
nmls_id: 2769700
last_verified: 2026-10-10
---

# William Earnest

Loan Officer at Lower, Columbia, MD. NMLS ID 2769700 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2769700)).

**Summary:** William Earnest (NMLS 2769700) is Loan Officer at Lower, based in Columbia, MD. Lists Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. Last verified 2026-10-10.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: Virginia (VA, lender_reported)
- 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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.70, verified 2026-10-10. Source: https://www.lower.com/loan-officers/virginia/lynchburg/william-earnest

## About

Serves homebuyers across Central Virginia, including Midlothian, Richmond and Chesterfield County, and especially enjoys helping first-time buyers.

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

## Facts from the lender page and intro

- service_area: Midlothian, Richmond, Chesterfield County, Powhatan County, Henrico County, Hanover County, Central Virginia. Source: https://www.lower.com/loan-officers/virginia/lynchburg/william-earnest, verified 2026-10-10.

## Licenses

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

## Employment history

- ? to present: Lower (NMLS 1124061), Columbia, MD. Source: https://www.lower.com/loan-officers/virginia/lynchburg/william-earnest, 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/2769700

## Contact

- linkedin_url: https://www.linkedin.com/in/william-earnest-582a7b356/ (source: lender_site, verified 2026-10-10)
- View profile at Lower: https://www.lower.com/loan-officers/virginia/lynchburg/william-earnest
- Email on file: shown at https://lendb.ai/lo/william-earnest-2769700#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2769700
- lender_site: https://www.lower.com/loan-officers/virginia/lynchburg/william-earnest

Cite as: William Earnest (NMLS 2769700), Lower. LenDb.ai, https://lendb.ai/lo/william-earnest-2769700, last verified 2026-10-10.

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