Steve Kincheloe
Loan Officer at Veterans United Home Loans · Columbia, MO
NMLS ID 328305 (opens in a new tab) · verify at NMLS Consumer Access
Steve Kincheloe (NMLS 328305) is Loan Officer at Veterans United Home Loans, based in Columbia, 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: April 28, 2011 (Texas), per state regulator. States 25 years of experience.
Last verified . Sources: Veterans United Home Loans (veteransunited.com), Florida state regulator, Texas state regulator, New York state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: April 28, 2011 (Texas), per state regulator
- 25 years experience (stated)
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 2 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Focus
Where we saw these: veteransunited.com (opens in a new tab)
Their lender offers
FHA loan, First-time buyer, Jumbo loan, Renovation loan (203k / HomeStyle) and USDA loan. Programs Veterans United Home Loans offers (verified 2026-10-10). Lender-level: not confirmed as Steve's own focus, so ask.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO8714, first effective 2011-07-27), TX (opens in a new tab), verified 2026-10-15.
Earlier regulator records (not active): NY (expired).
Contact
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Employment history
Veterans United Home Loans NMLS 1907
Current · Columbia, MO · seen on lender site 2026-10-10
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Steve has been in the mortgage industry for over 25 years and has a strong passion for serving Veterans with their home financing needs.
Our summary of the lender page. Verified 2026-10-10.
- Education
- Accounting and Finance degree, Olivet Nazarene University
- Source (opens in a new tab), verified 2026-10-10
Sources
| Name and employer | lender site · veteransunited.com (opens in a new tab) | verified 2026-10-10 |
| Licenses (regulator) | state regulator · dfs.ny.gov (opens in a new tab) | verified 2026-10-14 |
| Specialties | lender site · veteransunited.com (opens in a new tab) | verified 2026-10-10 |
| Lender programs | lender site · veteransunited.com (opens in a new tab) | verified 2026-10-10 |
| Summary | lender site · veteransunited.com (opens in a new tab) | verified 2026-10-10 |
| Contact | lender site · veteransunited.com (opens in a new tab) | verified 2026-10-10 |
| Photo | lender site · veteransunited.com (opens in a new tab) | verified 2026-10-10 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Steve Kincheloe (NMLS 328305), Veterans United Home Loans. LenDb.ai, https://lendb.ai/lo/jeffrey-kincheloe-328305, last verified 2026-10-15.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.