---
canonical_url: https://lendb.ai/lo/nicholas-howard-1247830
json_url: https://lendb.ai/lo/nicholas-howard-1247830.json
nmls_id: 1247830
last_verified: 2026-10-28
---

# Nicholas Howard

Loan officer at United Lending Team, INC. NMLS ID 1247830 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1247830)).

Nicholas Howard (NMLS 1247830) is a mortgage loan officer at United Lending Team, INC, licensed in Illinois since 2024 and in Oregon.

**Summary:** Nicholas Howard (NMLS 1247830) is a loan officer at United Lending Team, INC. Licensed in 2 states confirmed with state regulators: Oregon and Illinois. Earliest state license record: April 12, 2024 (Illinois), per state regulator. Last verified 2026-10-28.

## Quick answers

### Is Nicholas licensed in Oregon?

Yes. Oregon regulator records list a license as active, first effective April 18, 2024 (verified 2026-10-20). LenDb has 1 other state on file for Nicholas. Source: https://dfr.oregon.gov/.

### What lender does Nicholas work for?

United Lending Team, INC, company NMLS 2273319, per the lender's own site (verified 2026-10-28). Source: https://idfpr.illinois.gov/banks/resfin.html.

### How long has Nicholas been licensed?

The earliest state license record LenDb holds for Nicholas is from April 12, 2024 (Illinois regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://idfpr.illinois.gov/banks/resfin.html.

## At a glance

- Earliest state license record: April 12, 2024 (Illinois), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Also licensed as (state regulator records, same NMLS ID): Nicholas D. Howard (AR, OR, WY, as of 2026-10-27)
- Licensed in: Oregon (OR, confirmed), Illinois (IL, confirmed)
- 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.)
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| AR | Arkansas regulator | state_license | n/a | inactive | confirmed |  | state_regulator | 2026-10-20 |
| OR | Oregon regulator | state_license | n/a | active | confirmed | 2024-04-18 | state_regulator | 2026-10-20 |
| WI | Wisconsin regulator | state_license | 1247830 | inactive | confirmed | 2024-04-18 | state_regulator | 2026-10-21 |
| WY | Wyoming regulator | state_license | 107159 | inactive | confirmed | 2024-04-18 | state_regulator | 2026-10-27 |
| IL | Illinois regulator | state_license | 31.0084780 | active | confirmed | 2024-04-12 | state_regulator | 2026-10-28 |

## Employment history

- ? to present: United Lending Team, INC (NMLS 2273319). Source: https://idfpr.illinois.gov/banks/resfin.html, verified 2026-10-28.
- ? to present: Pennymac (NMLS 35953). Source: https://dfr.oregon.gov/, verified 2026-10-20.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1247830

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1247830
- state_regulator: https://securities.arkansas.gov/loans/nmls/
- state_regulator: https://dfr.oregon.gov/
- state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/
- state_regulator: https://wyomingbankingdivision.wyo.gov/
- state_regulator: https://idfpr.illinois.gov/banks/resfin.html

Cite as: Nicholas Howard (NMLS 1247830), United Lending Team, INC. LenDb.ai, https://lendb.ai/lo/nicholas-howard-1247830, last verified 2026-10-28.

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