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Borrower situations · Alabama

Loan officers for physicians and medical professionals in Alabama

As of 2026-10-09, LenDb lists 7 loan officers licensed in or based in Alabama whose lender pages show Physician and medical professional work. The top-ranked are Iris Legaspi (First Citizens Bank, San Diego), Molly Barndt, MBA, CSCP (CrossCountry Mortgage, Chicago) and Cody Teal (First Citizens Bank, Wilmington). Ranking is lender-neutral: specialty evidence first, then a license in AL, branch location, experience and profile completeness. Nobody pays for placement.

Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.

Ranked, with reasons · top 6

  1. 1

    Iris LegaspiNMLS 690505

    First Citizens Bank · Bank · San Diego, CA · licensed in 35 states

    • Physician and medical professional
    • Down payment assistance
    • First-time buyer
    • Jumbo loan
    • AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)
    • States 17 years of experience (lender page, 2026-10-09)
  2. 2

    Molly Barndt, MBA, CSCPNMLS 2236749

    CrossCountry Mortgage · Chicago, IL · licensed in 29 states

    • Physician and medical professional
    • Real estate investor
    • Jumbo loan
    • Non-QM loan
    • AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)
    • Licensed since 2025 (per Florida records)
    • States 5 years of experience (lender page, 2026-10-09)
  3. 3

    Cody TealNMLS 65382

    First Citizens Bank · Bank · Wilmington, NC · licensed in 33 states

    • Physician and medical professional
    • Construction loan
    • First-time buyer
    • Jumbo loan
    • AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)
  4. 4

    Manen PanNMLS 1006352

    First Citizens Bank · Bank · Pasadena, CA · licensed in 32 states

    • Physician and medical professional
    • Real estate investor
    • Construction loan
    • Down payment assistance
    • AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)
  5. 5

    Ivan LinNMLS 2462401

    Loan Factory · Mortgage broker · licensed in 10 states

    • Physician and medical professional
    • First-time buyer
    • Real estate investor
    • Self-employed
    • AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)
    • Licensed since 2025 (per Florida records)
  6. 6

    Melissa BelcherNMLS 414618

    Truist Bank · Bank · Birmingham, AL

    • Physician and medical professional
    • Jumbo loan
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)
    • Office in Birmingham, AL

Before you choose

Student debt and future employment contracts need special treatment that only physician programs allow.

  • Do you have a physician loan program, and who qualifies?
  • How do you treat my student loans in qualifying?
  • Can I close on a signed employment contract before I start?

More about Physician and medical professional

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a AL license is confirmed with the state regulator (check mark), AL is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=physician&state=AL. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.