---
canonical_url: https://lendb.ai/lo/crystal-phillips-260392
json_url: https://lendb.ai/lo/crystal-phillips-260392.json
nmls_id: 260392
last_verified: 2026-10-15
---

# Crystal Phillips

Loan Officer at Residential Wholesale Mortgage, Inc.. NMLS ID 260392 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/260392)).

**Summary:** Crystal Phillips (NMLS 260392) is Loan Officer at Residential Wholesale Mortgage, Inc.. Lists North Carolina and South Carolina on the lender page (not yet checked with the state regulator). Last verified 2026-10-15.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: North Carolina (NC, lender_reported), South Carolina (SC, lender_reported)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## About

Crystal Phillips is a Loan Officer serving NC and SC. They have worked in finance and banking since 1987, and their mortgage career started in 1997 as a processor before they moved into a loan officer role.

Source: LenDb summary of the lender page, verified 2026-10-15.

## Facts from the lender page and intro

- years_experience: since 1987. Source: https://rwmloans.com/crystal-phillips/, verified 2026-10-15.
- years_experience: since 1997. Source: https://rwmloans.com/crystal-phillips/, verified 2026-10-15.
- role: former mortgage processor. Source: https://rwmloans.com/crystal-phillips/, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| SC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |

## Employment history

- ? to present: Residential Wholesale Mortgage, Inc. (NMLS 79445). Source: https://rwmloans.com/crystal-phillips/, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/260392

## Contact

- View profile at Residential Wholesale Mortgage, Inc.: https://rwmloans.com/crystal-phillips/
- Office phone and Email on file: shown at https://lendb.ai/lo/crystal-phillips-260392#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/260392
- lender_site: https://rwmloans.com/crystal-phillips/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Crystal Phillips (NMLS 260392), Residential Wholesale Mortgage, Inc.. LenDb.ai, https://lendb.ai/lo/crystal-phillips-260392, last verified 2026-10-15.

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