Nikkie Bickham

VP of Lending at Lower · Hughes Springs, TX

NMLS ID 755411 (opens in a new tab) · verify at NMLS Consumer Access

Nikkie Bickham (NMLS 755411) is VP of Lending at Lower, based in Hughes Springs, TX. Licensed in Florida, confirmed with the state regulator (license LO97476). Also lists Alabama, Arkansas, Arizona, California, Colorado, Georgia, Louisiana, Oklahoma and 2 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance, DSCR loan, FHA loan, Jumbo loan and Self-employed. Licensed since 2021 (per Florida records).

Last verified 2026-10-10. Sources: Lower (lower.com), Florida state regulator and NMLS Consumer Access (license status, check live).

Licensed since 2021 (per Florida records)
11 states
Unclaimed profile
Disciplinary history not yet checked

Specialties

Where we saw these: lower.com (opens in a new tab)

Evidence levels, strongest first: production data, lender page, self-reported.

Languages

Not listed

Licensed states

Florida, Alabama, Arkansas, Arizona, California, Colorado, Georgia, Louisiana, Oklahoma, Tennessee, Texas

✓ Confirmed with the state regulator: FL (opens in a new tab) (LO97476, since 2021), verified 2026-10-09.

Lender-reported: AL, AR, AZ, CA, CO, GA, LA, OK, TN, TX are listed on the lender page, not yet checked with the state regulator.

Contact

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LinkedIn: Profile (opens in a new tab)

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Employment history

Lower NMLS 1124061
Current · Hughes Springs, TX · seen on lender site 2026-10-10

Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).

About

Nikkie has been in mortgage since 2003, with experience across operations, sales, retail, and wholesale lending. They serve buyers in rural, suburban, and urban markets and focus on matching each client to a suitable loan.

Our summary of the lender page. Verified 2026-10-10.

Experience: since 2003; Source (opens in a new tab), verified 2026-10-10
Education: Southern Methodist University; Source (opens in a new tab), verified 2026-10-10
Serves: rural, suburban, and urban markets; Source (opens in a new tab), verified 2026-10-10

Sources

Name and employer	lender site · lower.com (opens in a new tab)	verified 2026-10-10
Licenses (regulator)	state regulator · real.flofr.com (opens in a new tab)	verified 2026-10-09
Licensed states	lender site · lower.com (opens in a new tab)	verified 2026-10-10
Specialties	lender site · lower.com (opens in a new tab)	verified 2026-10-10
Summary	lender site · lower.com (opens in a new tab)	verified 2026-10-10
Contact	lender site · lower.com (opens in a new tab)	verified 2026-10-10
Photo	lender site · lower.com (opens in a new tab)	verified 2026-10-10
License status	NMLS Consumer Access (opens in a new tab)	check live

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Cite as: Nikkie Bickham (NMLS 755411), Lower. LenDb.ai, https://lendb.ai/lo/alice-bickham-755411, last verified 2026-10-10.

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