---
canonical_url: https://lendb.ai/lo/nikki-benefield-2693724
json_url: https://lendb.ai/lo/nikki-benefield-2693724.json
nmls_id: 2693724
last_verified: 2026-10-10
---

# Nikki Benefield

Loan Originator at Lower, South Oxford, AL. NMLS ID 2693724 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2693724)).

**Summary:** Nikki Benefield (NMLS 2693724) is Loan Originator at Lower, based in South Oxford, AL. Lists Alabama and Georgia on the lender page (not yet checked with the state regulator). Last verified 2026-10-10.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: Alabama (AL, lender_reported), Georgia (GA, 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


## About

Nikki Benefield is a Loan Originator based in Oxford, Alabama, supporting clients from initial consultation through closing.

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

## Facts from the lender page and intro

- service_area: Oxford, Alabama. Source: https://www.lower.com/loan-officers/alabama/oxford/nikki-benefield, verified 2026-10-10.

## Licenses

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

## Employment history

- ? to present: Lower (NMLS 1124061), South Oxford, AL. Source: https://www.lower.com/loan-officers/alabama/oxford/nikki-benefield, 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/2693724

## Contact

- View profile at Lower: https://www.lower.com/loan-officers/alabama/oxford/nikki-benefield
- Office phone and Email on file: shown at https://lendb.ai/lo/nikki-benefield-2693724#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2693724
- lender_site: https://www.lower.com/loan-officers/alabama/oxford/nikki-benefield

Cite as: Nikki Benefield (NMLS 2693724), Lower. LenDb.ai, https://lendb.ai/lo/nikki-benefield-2693724, last verified 2026-10-10.

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