---
canonical_url: https://lendb.ai/lo/ellis-carter-2452369
json_url: https://lendb.ai/lo/ellis-carter-2452369.json
nmls_id: 2452369
last_verified: 2026-10-15
---

# Ellis Carter

Loan Officer at Veterans United Home Loans, Earth City, MO. NMLS ID 2452369 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2452369)).

**Summary:** Ellis Carter (NMLS 2452369) is Loan Officer at Veterans United Home Loans, based in Earth City, MO. Licensed in 2 states confirmed with state regulators: Florida and Texas. Focus areas shown on the lender page: VA loan. Veterans United Home Loans also offers FHA loan, First-time buyer, Jumbo loan, Renovation loan (203k / HomeStyle) and USDA loan (a lender program, not confirmed as their own focus). Earliest state license record: February 23, 2023 (Florida), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: February 23, 2023 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed)
- 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)

- **VA loan** (`va`): from their bio (lender page), confidence 0.60, verified 2026-10-10. Source: https://www.veteransunited.com/lo/ellis-carter/

### Their lender offers (lender level: Veterans United Home Loans's programs, not confirmed as this person's focus)

- **FHA loan** (`fha`): verified 2026-10-10. Source: https://www.veteransunited.com
- **First-time buyer** (`first-time-buyer`): verified 2026-10-10. Source: https://www.veteransunited.com
- **Jumbo loan** (`jumbo`): verified 2026-10-10. Source: https://www.veteransunited.com
- **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-10. Source: https://www.veteransunited.com
- **USDA loan** (`usda`): verified 2026-10-10. Source: https://www.veteransunited.com

## About

Ellis studied accounting and is passionate about supporting the military community with personalized, compassionate service. His parents both served in the military—his father as a Navy firefighter and mother in the Coast Guard.

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

## Facts from the lender page and intro

- education: Studied Accounting in college. Source: https://www.veteransunited.com/lo/ellis-carter/, verified 2026-10-10.
- community: Passionate about supporting the military community. Source: https://www.veteransunited.com/lo/ellis-carter/, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO117694 | active | confirmed | 2023-02-23 | state_regulator | 2026-10-15 |
| TX | state_license | n/a | active | confirmed | 2023-03-13 | state_regulator | 2026-10-13 |

## Employment history

- ? to present: Veterans United Home Loans (NMLS 1907), Earth City, MO. Source: https://www.veteransunited.com/lo/ellis-carter/, 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/2452369

## Contact

- View profile at Veterans United Home Loans: https://www.veteransunited.com/lo/ellis-carter/
- Office phone and Email on file: shown at https://lendb.ai/lo/ellis-carter-2452369#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2452369
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- lender_site: https://www.veteransunited.com/lo/ellis-carter/
- lender_site (lender programs): https://www.veteransunited.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Ellis Carter (NMLS 2452369), Veterans United Home Loans. LenDb.ai, https://lendb.ai/lo/ellis-carter-2452369, last verified 2026-10-15.

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