LenDb.ai

Borrower situations · Alabama

Loan officers for borrowers with a recent credit event in Alabama

As of 2026-10-09, LenDb lists 3 loan officers licensed in or based in Alabama whose lender pages show Recent credit event work. The top-ranked are Bryan Sparacino (GMFS Mortgage, Denham Springs), Jordan Heatherly (Churchill Mortgage, Brentwood) and Abby Montenegro (Loan Factory). 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 3

  1. 1

    Bryan SparacinoNMLS 93466

    GMFS Mortgage · Denham Springs, LA · licensed in 4 states

    • Recent credit event
    • First-time buyer
    • Construction loan
    • Down payment assistance
    • Lists Recent credit event on lender page (lender page, verified 2026-10-09)
    • Licensed in AL (listed on lender page, verified 2026-10-09)
    • 4 years licensed
  2. 2

    Jordan HeatherlyNMLS 1312244

    Churchill Mortgage · Brentwood, TN · licensed in 13 states

    • Recent credit event
    • FHA loan
    • Non-QM loan
    • Real estate investor
    • Lists Recent credit event on lender page (lender page, verified 2026-10-09)
    • Licensed in AL (listed on lender page, verified 2026-10-09)
    • 5 years licensed
  3. 3

    Abby MontenegroNMLS 1085221

    Loan Factory · Mortgage broker · licensed in 8 states

    • Recent credit event
    • Asset-based qualifying
    • Lists Recent credit event on lender page (lender page, verified 2026-10-09)
    • Licensed in AL (listed on lender page, verified 2026-10-09)

Before you choose

Waiting periods differ by program and event, and some non-QM lenders accept events just one day out.

  • What waiting period applies to my event for each program?
  • Do extenuating circumstances shorten the wait?
  • What non-QM options exist if I cannot wait?

More about Recent credit event

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in AL or have a branch there. Then branch location, years licensed 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=recent-credit-event&state=AL. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.