---
canonical_url: https://lendb.ai/lo/nicole-munnerlyn-1987020
json_url: https://lendb.ai/lo/nicole-munnerlyn-1987020.json
nmls_id: 1987020
last_verified: 2026-10-10
---

# Nicole Munnerlyn

Branch Manager, VP at Lower, Greenwood, SC. NMLS ID 1987020 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1987020)).

**Summary:** Nicole Munnerlyn (NMLS 1987020) is Branch Manager, VP at Lower, based in Greenwood, SC. Lists Georgia, North Carolina and South Carolina on the lender page (not yet checked with the state regulator). Lower also offers FHA loan, First-time buyer, HELOC, Real estate investor and Jumbo loan and 5 more (a lender program, not confirmed as their own focus). Last verified 2026-10-10.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Georgia (GA, lender_reported), North Carolina (NC, lender_reported), South Carolina (SC, lender_reported)
- 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)

- None on file yet.

### Their lender offers (lender level: Lower's programs, not confirmed as this person's focus)

- **FHA loan** (`fha`): verified 2026-10-10. Source: https://www.lower.com
- **First-time buyer** (`first-time-buyer`): verified 2026-10-10. Source: https://www.lower.com
- **HELOC** (`heloc`): verified 2026-10-10. Source: https://www.lower.com
- **Real estate investor** (`investor`): verified 2026-10-10. Source: https://www.lower.com
- **Jumbo loan** (`jumbo`): verified 2026-10-10. Source: https://www.lower.com
- **Non-QM loan** (`non-qm`): verified 2026-10-10. Source: https://www.lower.com
- **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-10. Source: https://www.lower.com
- **USDA loan** (`usda`): verified 2026-10-10. Source: https://www.lower.com
- **VA loan** (`va`): verified 2026-10-10. Source: https://www.lower.com
- **Vacation home** (`vacation-home`): verified 2026-10-10. Source: https://www.lower.com

## About

Nicole Munnerlyn is a Branch Manager, VP and Mortgage Loan Originator at Lower. They are licensed in GA, SC and NC. Their profile says they enjoy playing pickleball and volunteering in the community.

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

## Facts from the lender page and intro

- community: Volunteers in the community. Source: https://www.lower.com/loan-officers/south-carolina/greenwood/nicole-munnerlyn, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| SC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Greenwood, SC. Source: https://www.lower.com/loan-officers/south-carolina/greenwood/nicole-munnerlyn, verified 2026-10-10.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1987020

## Contact

- linkedin_url: https://www.linkedin.com/in/nmunnerlynmortgage/ (source: lender_site, verified 2026-10-10)
- View profile at Lower: https://www.lower.com/loan-officers/south-carolina/greenwood/nicole-munnerlyn
- Office phone and Email on file: shown at https://lendb.ai/lo/nicole-munnerlyn-1987020#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1987020
- lender_site: https://www.lower.com/loan-officers/south-carolina/greenwood/nicole-munnerlyn
- lender_site (lender programs): https://www.lower.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Nicole Munnerlyn (NMLS 1987020), Lower. LenDb.ai, https://lendb.ai/lo/nicole-munnerlyn-1987020, last verified 2026-10-10.

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