Skip O'Neal

Loan Officer at Highlands Residential Mortgage · Charlotte, NC

NMLS ID 91400 (opens in a new tab) · verify at NMLS Consumer Access

Skip O'Neal (NMLS 91400) is Loan Officer at Highlands Residential Mortgage, based in Charlotte, NC. Licensed in Florida, confirmed with the state regulator (license LO94637). Also lists North Carolina and South Carolina on the lender page (not yet checked with the state regulator). Earliest state license record: September 16, 2021 (Florida), per state regulator. States 30 years of experience.

Last verified . Sources: Highlands Residential Mortgage (highlandsmortgage.com), Florida state regulator and NMLS Consumer Access (license status, check live).

Specialties

None listed on the lender page yet.

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

    Languages

    Not listed

    Licensed states

    AKMEVTNHWAIDMTNDMNILWIMINYMARIORNVWYSDIAINOHPANJCTCAUTCONEMOKYWVVAMDDEAZNMKSARTNNCSCDCOKLAMSALGAHITXFL

    Florida, North Carolina, South Carolina

    ✓ Confirmed with the state regulator: FL (opens in a new tab) (LO94637, first effective 2021-09-16), verified 2026-10-09.

    Lender-reported: NC, SC are listed on the lender page, not yet checked with the state regulator.

    Contact

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    View profile at Highlands Residential Mortgage (opens in a new tab)

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    Employment history

    1. Highlands Residential Mortgage NMLS 134871

      Current · Charlotte, NC · seen on lender site 2026-10-09

    Disciplinary history

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

    About

    Skip has 30 years' experience in mortgages, having closed over $600M in loans. He specializes in helping first-time and veteran buyers find the best mortgage for their situation.

    Our summary of the lender page. Verified 2026-10-09.

    Credentials
    Closed over $600 Million in mortgage loans
    Source (opens in a new tab), verified 2026-10-09
    Education
    Bachelor of Science Degree from Harding University
    Source (opens in a new tab), verified 2026-10-09

    Sources

    Name and employerlender site · highlandsmortgage.com (opens in a new tab)verified 2026-10-09
    Licenses (regulator)state regulator · real.flofr.com (opens in a new tab)verified 2026-10-09
    Licensed stateslender site · highlandsmortgage.com (opens in a new tab)verified 2026-10-09
    Summarylender site · highlandsmortgage.com (opens in a new tab)verified 2026-10-09
    Contactlender site · highlandsmortgage.com (opens in a new tab)verified 2026-10-09
    License statusNMLS Consumer Access (opens in a new tab)check live

    Also available as Markdown, JSON, or via the API.

    Cite as: Skip O'Neal (NMLS 91400), Highlands Residential Mortgage. LenDb.ai, https://lendb.ai/lo/earl-o-neal-91400, last verified 2026-10-09.

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