--- canonical_url: https://lendb.ai/s/refinance/alabama last_verified: 2026-10-26 --- # 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. ## Ranked, with reasons 1. **[Ryan Perrenoud](https://lendb.ai/lo/ryan-perrenoud-250511)** (NMLS 250511), Bayshore Mortgage Funding, LLC - Lists Refinance on lender page (lender page, verified 2026-10-21) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 26, 2010 (California), per state regulator - States 20 years of experience (lender page, 2026-10-21) 2. **[Alan Easterwood](https://lendb.ai/lo/alan-easterwood-644550)** (NMLS 644550), TowneBank Mortgage, Anniston, AL - Lists Refinance on lender page (lender page, verified 2026-10-20) - Office in Anniston, AL - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 3. **[Jason Stallworth](https://lendb.ai/lo/jason-stallworth-7577)** (NMLS 7577), Embrace Home Loans, Amityville, NY - Lists Refinance on lender page (lender page, verified 2026-10-21) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 24, 2021 (Florida), per state regulator 4. **[Bill White](https://lendb.ai/lo/william-white-2268018)** (NMLS 2268018), CrossCountry Mortgage, Cincinnati, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 13, 2021 (Illinois), per state regulator 5. **[Eric Raso](https://lendb.ai/lo/eric-raso-457108)** (NMLS 457108), CMG Home Loans, Tempe, AZ - Lists Refinance on lender page (lender page, verified 2026-10-20) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 27, 2014 (Colorado), per state regulator - States 20 years of experience (lender page, 2026-10-20) 6. **[Camille Olson](https://lendb.ai/lo/camille-olson-474281)** (NMLS 474281), Barrett Financial Group, Chandler, AZ - Lists Refinance on lender page (lender page, verified 2026-10-19) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 10, 2014 (Texas), per state regulator 7. **[DJ Joyce](https://lendb.ai/lo/dj-joyce-2540027)** (NMLS 2540027), CrossCountry Mortgage, Cleveland, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 21, 2023 (Oregon), per state regulator 8. **[Haley Barnes](https://lendb.ai/lo/haley-barnes-1668981)** (NMLS 1668981), Union Home Mortgage, Mobile, AL - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Mobile, AL - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) 9. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - Lists Refinance on lender page (lender page, verified 2026-10-20) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 26, 2012 (Oregon), per state regulator 10. **[Matt Fenster](https://lendb.ai/lo/matthew-fenster-21524)** (NMLS 21524), Guild Mortgage, Middletown, RI - Lists Refinance on lender page (lender page, verified 2026-10-26) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 15, 2026 (Florida), per state regulator - States 22 years of experience (lender page, 2026-10-20) 11. **[Benjamin Williams](https://lendb.ai/lo/benjamin-williams-1025173)** (NMLS 1025173), Guild Mortgage, San Diego, CA - Lists Refinance on lender page (lender page, verified 2026-10-26) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 4, 2013 (Oregon), per state regulator 12. **[Ron Luttrull](https://lendb.ai/lo/ronald-luttrull-274181)** (NMLS 274181), Guild Mortgage, San Diego, CA - Lists Refinance on lender page (lender page, verified 2026-10-26) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 19, 2010 (California), per state regulator - States 20 years of experience (lender page, 2026-10-19) 13. **[Krystyn Smink](https://lendb.ai/lo/krystyn-smink-2568385)** (NMLS 2568385), Gershman Investment Corp., Clarksville, TN - Lists Refinance on lender page (lender page, verified 2026-10-26) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) 14. **[Mike Eastman](https://lendb.ai/lo/michael-eastman-21108)** (NMLS 21108), First Heritage Mortgage, Fairfax, VA - Lists Refinance on lender page (lender page, verified 2026-10-20) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 26, 2025 (Florida), per state regulator 15. **[Andy Price](https://lendb.ai/lo/william-price-175742)** (NMLS 175742), Price Mortgage - Lists Refinance on lender page (lender page, verified 2026-10-21) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 16, 2017 (California), per state regulator - States 15 years of experience (lender page, 2026-10-21) 16. **[Spencer Wartman](https://lendb.ai/lo/spencer-wartman-2109932)** (NMLS 2109932), Trident Home Loans, Pensacola, FL - Lists Refinance on lender page (lender page, verified 2026-10-26) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 18, 2022 (Florida), per state regulator 17. **[Robert Carter](https://lendb.ai/lo/robert-carter-898005)** (NMLS 898005), Highlands Residential Mortgage, Knoxville, TN - Lists Refinance on lender page (lender page, verified 2026-10-20) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 27, 2021 (Florida), per state regulator 18. **[David Barban](https://lendb.ai/lo/david-barban-714730)** (NMLS 714730), Endeavor Capital, LLC, Chesterfield, MO - Lists Refinance on lender page (lender page, verified 2026-10-21) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 16, 2024 (Iowa), per state regulator 19. **[Michael Ali](https://lendb.ai/lo/shellie-ali-526283)** (NMLS 526283), CrossCountry Mortgage, Birmingham, AL - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Birmingham, AL - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 15, 2024 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-26) 20. **[Wendy Nelson](https://lendb.ai/lo/wendy-nelson-207665)** (NMLS 207665), CrossCountry Mortgage, Jasper, AL - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Jasper, AL - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-22) 21. **[Sarah Pichardo](https://lendb.ai/lo/sarah-pichardo-229120)** (NMLS 229120), CMG Home Loans, Fairfax, VA - Lists Refinance on lender page (lender page, verified 2026-10-20) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 15, 2022 (Florida), per state regulator 22. **[Meg Hicks](https://lendb.ai/lo/meg-hicks-994024)** (NMLS 994024), CrossCountry Mortgage, Vestavia, AL - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Vestavia, AL - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 29, 2015 (Florida), per state regulator - States 14 years of experience (lender page, 2026-10-26) 23. **[Heather Lewis](https://lendb.ai/lo/heather-lewis-1876917)** (NMLS 1876917), CrossCountry Mortgage, Huntsville, AL - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Huntsville, AL - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 16, 2019 (Florida), per state regulator - States 10 years of experience (lender page, 2026-10-26) 24. **[Clyde Bell](https://lendb.ai/lo/clyde-bell-1660787)** (NMLS 1660787), CrossCountry Mortgage, Birmingham, AL - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Birmingham, AL - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 27, 2023 (Florida), per state regulator 25. **[Jordan Parker](https://lendb.ai/lo/jordan-parker-2484877)** (NMLS 2484877), CrossCountry Mortgage, Decatur, AL - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Decatur, AL - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 3 years of experience (lender page, 2026-10-26) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/refinance/alabama. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._