Borrower situations · Alabama
Loan officers for homeowners who are refinancing in Alabama
As of 2026-10-26, LenDb lists 132 loan officers licensed in or based in Alabama whose lender pages show Refinance work. The top-ranked are Ryan Perrenoud (Bayshore Mortgage Funding, LLC), Alan Easterwood (TowneBank Mortgage, Anniston) and Jason Stallworth (Embrace Home Loans, Amityville). 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 25
- 1
Ryan PerrenoudNMLS 250511
Bayshore Mortgage Funding, LLC · licensed in 5 states
- Refinance
- FHA loan
- First-time buyer
- VA loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: July 26, 2010 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-21)
- 2
Alan EasterwoodNMLS 644550
TowneBank Mortgage · Bank · Anniston, AL
- Refinance
- New construction
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Office in Anniston, AL
- 3
Jason StallworthNMLS 7577
Embrace Home Loans · Amityville, NY · licensed in 10 states
- Refinance
- FHA loan
- First-time buyer
- Non-QM loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: November 24, 2021 (Florida), per state regulator
- 4
Bill WhiteNMLS 2268018
CrossCountry Mortgage · Cincinnati, OH · licensed in 15 states
- Refinance
- HELOC
- FHA loan
- First-time buyer
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: December 13, 2021 (Illinois), per state regulator
- 5
Eric RasoNMLS 457108
CMG Home Loans · Tempe, AZ · licensed in 40 states
- Refinance
- 2 to 4 unit property
- Low credit score
- Non-QM loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: August 27, 2014 (Colorado), per state regulator
- States 20 years of experience (lender page, 2026-10-20)
- 6
Camille OlsonNMLS 474281
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 11 states
- Refinance
- Down payment assistance
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-19)
- Earliest state license record: July 10, 2014 (Texas), per state regulator
- 7
DJ JoyceNMLS 2540027
CrossCountry Mortgage · Cleveland, OH · licensed in 12 states
- Refinance
- FHA loan
- First-time buyer
- HELOC
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: December 21, 2023 (Oregon), per state regulator
- 8
Haley BarnesNMLS 1668981
Union Home Mortgage · Mobile, AL · licensed in 3 states
- Refinance
- FHA loan
- VA loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Mobile, AL
- 9
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 39 states
- Refinance
- Condo
- Down payment assistance
- FHA loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: January 26, 2012 (Oregon), per state regulator
- 10
Matt FensterNMLS 21524
Guild Mortgage · Middletown, RI · licensed in 12 states
- Refinance
- First-time buyer
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: April 15, 2026 (Florida), per state regulator
- States 22 years of experience (lender page, 2026-10-20)
- 11
Benjamin WilliamsNMLS 1025173
Guild Mortgage · San Diego, CA · licensed in 45 states
- Refinance
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: June 4, 2013 (Oregon), per state regulator
- 12
Ron LuttrullNMLS 274181
Guild Mortgage · San Diego, CA · licensed in 44 states
- Refinance
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: May 19, 2010 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-19)
- 13
Krystyn SminkNMLS 2568385
Gershman Investment Corp. · Clarksville, TN · licensed in 5 states
- Refinance
- First-time buyer
- Real estate investor
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- 14
Mike EastmanNMLS 21108
First Heritage Mortgage · Fairfax, VA · licensed in 12 states
- Refinance
- Real estate investor
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: June 26, 2025 (Florida), per state regulator
- 15
Andy PriceNMLS 175742
Price Mortgage · Mortgage broker · licensed in 30 states
- Refinance
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: March 16, 2017 (California), per state regulator
- States 15 years of experience (lender page, 2026-10-21)
- 16
Spencer WartmanNMLS 2109932
Trident Home Loans · Pensacola, FL · licensed in 22 states
- Refinance
- VA loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: February 18, 2022 (Florida), per state regulator
- 17
Robert CarterNMLS 898005
Highlands Residential Mortgage · Knoxville, TN · licensed in 8 states
- Refinance
- Condo
- Construction loan
- Manufactured home
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: September 27, 2021 (Florida), per state regulator
- 18
David BarbanNMLS 714730
Endeavor Capital, LLC · Chesterfield, MO · licensed in 7 states
- Refinance
- First-time buyer
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: January 16, 2024 (Iowa), per state regulator
- 19
Michael AliNMLS 526283
CrossCountry Mortgage · Birmingham, AL · licensed in 2 states
- Refinance
- Construction loan
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Birmingham, AL
- Earliest state license record: August 15, 2024 (Florida), per state regulator
- States 25 years of experience (lender page, 2026-10-26)
- 20
Wendy NelsonNMLS 207665
CrossCountry Mortgage · Jasper, AL
- Refinance
- Construction loan
- Renovation loan (203k / HomeStyle)
- USDA loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Office in Jasper, AL
- States 20 years of experience (lender page, 2026-10-22)
- 21
Sarah PichardoNMLS 229120
CMG Home Loans · Fairfax, VA · licensed in 39 states
- Refinance
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: August 15, 2022 (Florida), per state regulator
- 22
Meg HicksNMLS 994024
CrossCountry Mortgage · Vestavia, AL · licensed in 3 states
- Refinance
- FHA loan
- Jumbo loan
- USDA loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Vestavia, AL
- Earliest state license record: September 29, 2015 (Florida), per state regulator
- States 14 years of experience (lender page, 2026-10-26)
- 23
Heather LewisNMLS 1876917
CrossCountry Mortgage · Huntsville, AL · licensed in 2 states
- Refinance
- VA loan
- FHA loan
- First-time buyer
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Huntsville, AL
- Earliest state license record: October 16, 2019 (Florida), per state regulator
- States 10 years of experience (lender page, 2026-10-26)
- 24
Clyde BellNMLS 1660787
CrossCountry Mortgage · Birmingham, AL · licensed in 3 states
- Refinance
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- FHA loan
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Birmingham, AL
- Earliest state license record: March 27, 2023 (Florida), per state regulator
- 25
Jordan ParkerNMLS 2484877
CrossCountry Mortgage · Decatur, AL
- Refinance
- First-time buyer
- FHA loan
- HELOC
- AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Decatur, AL
- States 3 years of experience (lender page, 2026-10-26)
Before you choose
Whether a refinance pays off depends on closing costs, how long you keep the loan and the new rate; cash-out and buyout refinances have their own equity, seasoning and title rules.
- What are my total closing costs, and how many months until the lower payment pays them back?
- Can I take cash out, and how much equity do I need to keep?
- If I am buying out a former spouse or co-owner, what does the divorce decree or agreement need to say?
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 (the earliest state license record in the regulator rosters we hold, or years the loan officer states) 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=refinance&state=AL. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.