---
canonical_url: https://lendb.ai/lo/nichole-carolyne-1838978
json_url: https://lendb.ai/lo/nichole-carolyne-1838978.json
nmls_id: 1838978
last_verified: 2026-10-15
---

# Nicci Carolyne

Mortgage Loan Officer at Liberty Home Mortgage Corporation. NMLS ID 1838978 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1838978)).

**Summary:** Nicci Carolyne (NMLS 1838978) is Mortgage Loan Officer at Liberty Home Mortgage Corporation. Licensed in Florida, confirmed with the state regulator (license LO110349). Focus areas shown on the lender page: First-time buyer. Earliest state license record: July 6, 2022 (Florida), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: July 6, 2022 (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)
- 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)

- **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.60, verified 2026-10-15. Source: https://www.libertyhomemortgage.org/lo/nicci-carolyne

## Facts from the lender page and intro

- other: past work in banking, real estate and mortgages. Source: https://www.libertyhomemortgage.org/lo/nicci-carolyne, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO110349 | active | confirmed | 2022-07-06 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Liberty Home Mortgage Corporation (NMLS 1114762). Source: https://www.libertyhomemortgage.org/lo/nicci-carolyne, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1838978

## Contact

- View profile at Liberty Home Mortgage Corporation: https://www.libertyhomemortgage.org/lo/nicci-carolyne
- Office phone and Email on file: shown at https://lendb.ai/lo/nichole-carolyne-1838978#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1838978
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.libertyhomemortgage.org/lo/nicci-carolyne
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Nicci Carolyne (NMLS 1838978), Liberty Home Mortgage Corporation. LenDb.ai, https://lendb.ai/lo/nichole-carolyne-1838978, last verified 2026-10-15.

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