---
canonical_url: https://lendb.ai/lo/carmen-cipolone-945589
json_url: https://lendb.ai/lo/carmen-cipolone-945589.json
nmls_id: 945589
last_verified: 2026-10-09
---

# Carmen Cipolone

Loan Originator at Barrett Financial Group, Indian Harbour Beach, FL. NMLS ID 945589 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/945589)).

**Summary:** Carmen Cipolone (NMLS 945589) is Loan Originator at Barrett Financial Group, based in Indian Harbour Beach, FL. Licensed in 3 states confirmed with state regulators: Florida, Colorado and Pennsylvania. Also lists Arizona, California, Idaho, Louisiana, Missouri, North Carolina, New Jersey, Oregon and 4 more on the lender page (not yet checked with the state regulator). Licensed since 2018 (per Colorado records). Last verified 2026-10-09.

## At a glance

- Licensed since 2018 (per Colorado records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Colorado (CO, confirmed), Pennsylvania (PA, confirmed), Arizona (AZ, lender_reported), California (CA, lender_reported), Idaho (ID, lender_reported), Louisiana (LA, lender_reported), Missouri (MO, lender_reported), North Carolina (NC, lender_reported), New Jersey (NJ, lender_reported), Oregon (OR, lender_reported), South Carolina (SC, lender_reported), Texas (TX, lender_reported), Virginia (VA, lender_reported), Washington (WA, 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


## About

Carmen helps borrowers navigate mortgage options with clear communication and personalized strategy. They work with first-time buyers, relocating clients, move-up buyers, and homeowners refinancing for cash flow.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO57038 | active | confirmed | 2018-10-29 | state_regulator | 2026-10-09 |
| CO | state_license | 100512254 | active | confirmed | 2018-08-28 | state_regulator | 2026-10-09 |
| PA | state_license | 39436 | active | confirmed |  | state_regulator | 2026-10-09 |
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| ID | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| LA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MO | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OR | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| SC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Barrett Financial Group (NMLS 181106), Indian Harbour Beach, FL. Source: https://www.barrettfinancial.com/ccipolone, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/945589

## Contact

- View profile at Barrett Financial Group: https://www.barrettfinancial.com/ccipolone
- Office phone and Email on file: shown at https://lendb.ai/lo/carmen-cipolone-945589#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/945589
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=221350&contact=440929
- state_regulator: https://data.pa.gov/d/tyxc-jyug
- lender_site: https://www.barrettfinancial.com/ccipolone

Cite as: Carmen Cipolone (NMLS 945589), Barrett Financial Group. LenDb.ai, https://lendb.ai/lo/carmen-cipolone-945589, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._