---
canonical_url: https://lendb.ai/lo/earl-o-neal-91400
json_url: https://lendb.ai/lo/earl-o-neal-91400.json
nmls_id: 91400
last_verified: 2026-10-09
---

# Skip O'Neal

Loan Officer at Highlands Residential Mortgage, Charlotte, NC. NMLS ID 91400 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/91400)).

**Summary:** 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 2026-10-09.

## At a glance

- Earliest state license record: September 16, 2021 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 30 (source: https://www.highlandsmortgage.com/agents/skip-oneal/, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), North Carolina (NC, lender_reported), South Carolina (SC, 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

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.

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

## Facts from the lender page and intro

- years_experience: 30. Source: https://www.highlandsmortgage.com/agents/skip-oneal/, verified 2026-10-09.
- credential: Closed over $600 Million in mortgage loans. Source: https://www.highlandsmortgage.com/agents/skip-oneal/, verified 2026-10-09.
- education: Bachelor of Science Degree from Harding University. Source: https://www.highlandsmortgage.com/agents/skip-oneal/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO94637 | active | confirmed | 2021-09-16 | state_regulator | 2026-10-09 |
| NC | 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 |

## Employment history

- ? to present: Highlands Residential Mortgage (NMLS 134871), Charlotte, NC. Source: https://www.highlandsmortgage.com/agents/skip-oneal/, 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/91400

## Contact

- linkedin_url: http://www.linkedin.com/in/skip-o-neal-765403126 (source: lender_site, verified 2026-10-09)
- View profile at Highlands Residential Mortgage: https://www.highlandsmortgage.com/agents/skip-oneal/
- Office phone and Email on file: shown at https://lendb.ai/lo/earl-o-neal-91400#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/91400
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.highlandsmortgage.com/agents/skip-oneal/

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.

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