Melissa Karcher
Mortgage Lender at Bank Five Nine
NMLS ID 470140 (opens in a new tab) · verify at NMLS Consumer Access
Melissa Karcher (NMLS 470140) is a Mortgage Lender at Bank Five Nine. Melissa's focus, from their own profile, includes first-time buyer, down payment assistance and FHA loan.
Last verified . Sources: Bank Five Nine (bankfivenine.com), Wisconsin state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: April 12, 2018 (Wisconsin), per state regulator
- 20 years experience (stated)
- Likely federally registered
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is Melissa licensed?
- Melissa works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access.
- Source: employer type in LenDb's lender registry
- Does Melissa list first-time buyer as a focus?
- Melissa's profile lists first-time buyer as a focus (from their lender profile page). It also lists down payment assistance, FHA loan and VA loan.
- Source: lender page (opens in a new tab)
- What lender does Melissa work for?
- Bank Five Nine, company NMLS 410817, per the lender's own site (verified 2026-10-16).
- Source: lender site (opens in a new tab)
- How long has Melissa been licensed?
- The earliest state license record LenDb holds for Melissa is from April 12, 2018 (Wisconsin regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Melissa states 20 years of experience.
- Source: Wisconsin state regulator (opens in a new tab)
Specialties
Focus
- Focus: First-time buyer(from their lender profile page)
- Focus: Down payment assistance(from their lender profile page)
- Focus: FHA loan(from their lender profile page)
- Focus: VA loan(from their lender profile page)
Where we saw these: bankfivenine.com (opens in a new tab)
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
No license list on file yet. Check NMLS Consumer Access (opens in a new tab) for every state this person is licensed in.
Regulator records not active: WI (inactive).
Likely federally registered: works at a bank. Federally registered MLOs aren't state-licensed; verify at NMLS (NMLS Consumer Access (opens in a new tab)).
Contact
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- Profile (opens in a new tab)
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Employment history
Bank Five Nine NMLS 410817
Current · seen on lender site 2026-10-16
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
Sources
| Name and employer | lender site · bankfivenine.com (opens in a new tab) | verified 2026-10-16 |
| Licenses (regulator) | state regulator · dfi.wi.gov (opens in a new tab) | verified 2026-10-21 |
| Specialties | lender site · bankfivenine.com (opens in a new tab) | verified 2026-10-26 |
| Contact | lender site · bankfivenine.com (opens in a new tab) | verified 2026-10-16 |
| Photo | lender site · bankfivenine.com (opens in a new tab) | verified 2026-10-16 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Melissa Karcher (NMLS 470140), Bank Five Nine. LenDb.ai, https://lendb.ai/lo/melissa-karcher-470140, last verified 2026-10-16.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.