--- canonical_url: https://lendb.ai/lo/alice-bickham-755411 json_url: https://lendb.ai/lo/alice-bickham-755411.json nmls_id: 755411 last_verified: 2026-10-10 --- # Nikkie Bickham VP of Lending at Lower, Hughes Springs, TX. NMLS ID 755411 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/755411)). **Summary:** 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. ## At a glance - Licensed since 2021 (per Florida records). This is license history on file, not total experience. - Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), Arkansas (AR, lender_reported), Arizona (AZ, lender_reported), California (CA, lender_reported), Colorado (CO, lender_reported), Georgia (GA, lender_reported), Louisiana (LA, lender_reported), Oklahoma (OK, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported) - License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer. - Languages: not listed - Profile: unclaimed - Status: active ## Specialties - **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.60, verified 2026-10-10. Source: https://www.lower.com/loan-officers/texas/hughes-springs/nikkie-bickham - **DSCR loan** (`dscr`): lender page, confidence 0.60, verified 2026-10-10. Source: https://www.lower.com/loan-officers/texas/hughes-springs/nikkie-bickham - **FHA loan** (`fha`): lender page, confidence 0.60, verified 2026-10-10. Source: https://www.lower.com/loan-officers/texas/hughes-springs/nikkie-bickham - **Jumbo loan** (`jumbo`): lender page, confidence 0.60, verified 2026-10-10. Source: https://www.lower.com/loan-officers/texas/hughes-springs/nikkie-bickham - **Self-employed** (`self-employed`): lender page, confidence 0.60, verified 2026-10-10. Source: https://www.lower.com/loan-officers/texas/hughes-springs/nikkie-bickham - **USDA loan** (`usda`): lender page, confidence 0.60, verified 2026-10-10. Source: https://www.lower.com/loan-officers/texas/hughes-springs/nikkie-bickham - **VA loan** (`va`): lender page, confidence 0.60, verified 2026-10-10. Source: https://www.lower.com/loan-officers/texas/hughes-springs/nikkie-bickham ## 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. Source: LenDb summary of the lender page, verified 2026-10-10. ## Facts from the lender page and intro - years_experience: since 2003. Source: https://www.lower.com/loan-officers/texas/hughes-springs/nikkie-bickham, verified 2026-10-10. - education: Southern Methodist University. Source: https://www.lower.com/loan-officers/texas/hughes-springs/nikkie-bickham, verified 2026-10-10. - service_area: rural, suburban, and urban markets. Source: https://www.lower.com/loan-officers/texas/hughes-springs/nikkie-bickham, verified 2026-10-10. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO97476 | active | confirmed | 2021-11-15 | state_regulator | 2026-10-09 | | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | AR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | CO | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | LA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | OK | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | TX | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | ## Employment history - ? to present: Lower (NMLS 1124061), Hughes Springs, TX. Source: https://www.lower.com/loan-officers/texas/hughes-springs/nikkie-bickham, verified 2026-10-10. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/755411 ## Contact - linkedin_url: https://www.linkedin.com/in/nbickham/ (source: lender_site, verified 2026-10-10) - View profile at Lower: https://www.lower.com/loan-officers/texas/hughes-springs/nikkie-bickham - Email on file: shown at https://lendb.ai/lo/alice-bickham-755411#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/755411 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - lender_site: https://www.lower.com/loan-officers/texas/hughes-springs/nikkie-bickham Cite as: Nikkie Bickham (NMLS 755411), Lower. LenDb.ai, https://lendb.ai/lo/alice-bickham-755411, last verified 2026-10-10. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._