The proof behind your mortgage story.
A source-first guide to Jim Yarrington’s licensing, professional background, customer-review profiles, media features and mortgage education—so you can verify the person behind “Borrow Smarter.”
Chapter one · identity
Start with the facts.
The strongest trust signal is consistency. These are the identity details published by Jim’s current First State Bank Mortgage profile and primary website.
Chapter two · customer voice
Read the reviews at the source.
Each score below links to the platform where it appears. Direct platform counts are shown separately so different feeds are never blended into one inflated number.
141 reviews on the live Google Maps profile for Jim Yarrington, First State Bank Mortgage.
Open Jim’s Google profile →230 Experience.com reviews. The platform also displays a mixed-source aggregate; the native count is used here for clarity.
Open Experience.com →7 direct Zillow reviews on the lender profile for James Roahen “Jim” Yarrington, NMLS #454680.
Open Zillow →Live snapshot: ratings and counts checked July 20, 2026. Review totals change over time. The First State Bank Mortgage office has a separate Google profile and review history; those branch reviews are not presented here as Jim’s individual reviews.
Chapter three · professional proof
Four ways to verify the story.
Licensing, employer identity, public reviews and professional background each answer a different trust question. Together they create a more useful picture than any single badge.
NMLS identity
Jim’s individual NMLS #454680 and First State Bank Mortgage’s company NMLS #416668 are published on current employer and owned profiles.
Search NMLS Consumer Access →Bank and branch
First State Bank Mortgage is a division of First State Bank of St. Charles, MO. The bank appears in FDIC BankFind under Certificate #12219.
Verify with FDIC BankFind →Mortgage and real-estate perspective
MortgageStuff.com publishes 28+ years of mortgage experience. Jim’s current employer bio also notes that he was formerly a licensed Kansas Real Estate Broker.
Read Jim’s background →Teaching Realtors
First State Bank Mortgage’s bio identifies Jim as a certified Continuing Education instructor who has taught financing and other CE programs to Realtors.
View the official bio →Chapter four · recognition
Visibility, with the source attached.
Instead of decorative award claims, this page highlights public features and professional facts a reader can open and evaluate.
Source standard: Awards and badges are published here only when the granting organization, award year and live evidence can be verified. Profile-only labels without independent documentation are intentionally not promoted as awards.
Loan Officer Podcast: AI, CRM and database follow-up
A long-form interview about using AI and CRM workflows to improve follow-up, capture leads and reconnect with a mortgage database.
Mortgage Marketing Animals: agent-marketing example
A trade article cites Jim’s Overland Park market activity as an example in a loan-officer agent-marketing discussion.
Mortgage Marketing Animals: referral strategy
Jim’s approach to segmenting and serving agent relationships appears in a practical referral-strategy article.
Kansas City Business Journal archive
A historical business-news item documents Jim’s long-running presence in the Kansas City mortgage market. It is background, not a current employer citation.
Chapter five · owned authority
A storyboard for real mortgage questions.
MortgageStuff.com pairs practical loan education with scenario-led stories. Names and details in the stories are changed to protect customer privacy.
Chapter six · source index
Explore Jim’s trust network.
This public index focuses on useful, current and attributable sources. Lower-quality legacy listings and sources that need correction are intentionally not promoted here.
First State Bank Mortgage lender bio
Current employer profile for role, NMLS, NAP and professional background.
Open source →College Boulevard Mortgage Center
Official office location page; the branch number is distinct from Jim’s direct office number.
Open source →NMLS Consumer Access
Public license-verification system. Search individual #454680 and company #416668.
Open source →FDIC BankFind
First State Bank of St. Charles, Missouri; FDIC Certificate #12219.
Open source →MortgageStuff.com
Jim’s primary consumer brand, mortgage storyboard and canonical NAP.
Open source →My Mortgage Game Plan
Mortgage education, buyer resources, realtor resources and compliance context.
Open source →Apply with Jim
Jim’s owned apply-domain alias and First State Bank Mortgage application path.
Open source →Google · Jim Yarrington
Jim’s verified individual Maps profile: 5.0 stars and 141 reviews at last check.
Open source →Experience.com
Native Experience.com profile rating: 4.95 from 230 reviews at last check.
Open source →Zillow lender profile
Direct Zillow profile: 5.0 stars and 7 reviews at last check.
Open source →Loan Officer Podcast
May 2026 interview about AI, CRM follow-up, lead capture and database re-engagement.
Open source →Loan Officer Podcast on YouTube
Video edition of Jim’s 2026 industry interview.
Open source →Kansas City Business Journal
Historical 2016 Kansas City mortgage-market career coverage.
Open source →Agent marketing
Mortgage Marketing Animals article citing Jim’s Overland Park activity.
Open source →Agent referral strategy
Trade article featuring Jim’s agent-segmentation approach.
Open source →Purchase loans
Conventional, government and other purchase-loan pathways.
Open source →Refinance loans
Refinance and debt-consolidation education.
Open source →First-time buyers
First-time buyer roadmap, tools and education guide.
Open source →Veteran buyers
VA buyer tools, videos and mortgage education.
Open source →Customer resources
Game-plan content, affordability, gifts, buydowns and moving resources.
Open source →Realtor resources
Tools and education for real-estate referral partners.
Open source →Borrower toolbox
Practical resources for borrowers preparing for a mortgage.
Open source →Mortgage calculator
Consumer calculator for exploring payment scenarios.
Open source →Loan encyclopedia
Mortgage terms, loan guides and topic-based education.
Open source →Mortgage FAQs
Answers to common mortgage and home-financing questions.
Open source →MortgageStuff blog
Mortgage tips, home-financing guidance and industry updates.
Open source →Official MortgageStuff.com by Jim Yarrington Facebook Page.
Open source →Jim’s professional profile and First State Bank Mortgage affiliation.
Open source →Instagram profile linked from the MortgageStuff.com footer.
Open source →X / Twitter
Jim’s long-running social handle.
Open source →dot.Profile
Jim’s digital business card; use the official website for canonical contact details.
Open source →Good questions welcome
Trust-page FAQs.
Verification should be straightforward, current and honest about what each source proves.
How do I verify Jim’s mortgage license?
Visit NMLS Consumer Access and search individual NMLS #454680. First State Bank Mortgage’s company NMLS is #416668. Current employer and owned profiles also publish both identifiers.
Why are review totals different across platforms?
Each platform counts its own records and may import other feeds. This page shows Jim’s direct Google profile, native Experience.com count and direct Zillow count separately. It does not add them together or treat branch reviews as personal reviews.
Is Jim’s Google profile the same as the bank office profile?
No. Jim has an individual Google profile, and the First State Bank Mortgage office at the same address has a separate profile. The Google review link on this page goes to Jim’s individual profile.
Does Jim lend only in Kansas and Missouri?
No. First State Bank Mortgage states that it is authorized to lend in all 50 states. Jim’s local office is in Overland Park, Kansas.
Where are the awards?
This page publishes awards only when the issuer, year and live evidence can be verified. It currently emphasizes confirmed licensing, professional background, review profiles and media visibility rather than unverified badge claims.
Are the MortgageStuff storyboard customers identifiable?
No. MortgageStuff.com states that names and details in the stories have been changed to protect customer privacy and that any likeness is coincidental. The stories are educational scenarios, not a substitute for personalized loan advice.
Your story starts here
Borrow smarter—with a guide you can verify.
Talk with Jim about your home-purchase, refinance or mortgage-planning questions. Applications are subject to approval and are not a commitment to lend.