---
canonical_url: https://lendb.ai/lo/kristi-farmer-989130
json_url: https://lendb.ai/lo/kristi-farmer-989130.json
nmls_id: 989130
last_verified: 2026-10-09
---

# Kristi Kerns Farmer

Branch Manager | Sr. Loan Officer at Atlantic Coast Mortgage, Spartanburg, SC. NMLS ID 989130 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/989130)).

**Summary:** Kristi Kerns Farmer (NMLS 989130) is Branch Manager | Sr. Loan Officer at Atlantic Coast Mortgage, based in Spartanburg, SC. Licensed in Florida, confirmed with the state regulator (license LO117652). Also lists South Carolina on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: VA loan. Earliest state license record: February 21, 2023 (Florida), per state regulator. States 28 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: February 21, 2023 (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): 28 (source: https://www.atlanticcoastmortgage.com/lo/kristi-farmer/, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), 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

- **VA loan** (`va`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.atlanticcoastmortgage.com/lo/kristi-farmer/

## About

Kristi brings over 28 years of mortgage lending experience. She specializes in helping veterans become homeowners and is known for creating tailored solutions and delivering dedicated customer service.

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

## Video intro available

Kristi has a short recorded video intro on Atlantic Coast Mortgage's site.

Watch on Atlantic Coast Mortgage's site: https://www.atlanticcoastmortgage.com/lo/kristi-farmer/

The recording is hosted by the lender; LenDb does not copy or transcribe it. Verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 28. Source: https://www.atlanticcoastmortgage.com/lo/kristi-farmer/, verified 2026-10-09.
- credential: GoUpstate Best of Spartanburg Award for Best Mortgage Lending (2026). Source: https://www.atlanticcoastmortgage.com/lo/kristi-farmer/, verified 2026-10-09.
- role: President & Founder of Operation We Care SC. Source: https://www.atlanticcoastmortgage.com/lo/kristi-farmer/, verified 2026-10-09.
- community: Member of National Association of Professional Mortgage Women, Greenville Board of Realtors, Spartanburg Board of Realtors, and Greer Chamber of Commerce. Source: https://www.atlanticcoastmortgage.com/lo/kristi-farmer/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO117652 | active | confirmed | 2023-02-21 | state_regulator | 2026-10-09 |
| SC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Atlantic Coast Mortgage (NMLS 643114), Spartanburg, SC. Source: https://www.atlanticcoastmortgage.com/lo/kristi-farmer/, 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/989130

## Contact

- linkedin_url: https://www.linkedin.com/in/kristi-farmer/ (source: lender_site, verified 2026-10-09)
- View profile at Atlantic Coast Mortgage: https://www.atlanticcoastmortgage.com/lo/kristi-farmer/

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/989130
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.atlanticcoastmortgage.com/lo/kristi-farmer/

Cite as: Kristi Kerns Farmer (NMLS 989130), Atlantic Coast Mortgage. LenDb.ai, https://lendb.ai/lo/kristi-farmer-989130, last verified 2026-10-09.

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