---
canonical_url: https://lendb.ai/lo/rachelle-killman-1792884
json_url: https://lendb.ai/lo/rachelle-killman-1792884.json
nmls_id: 1792884
last_verified: 2026-10-10
---

# Rachelle Killman

Sr. Loan Officer at Lower, Harrisburg, NC. NMLS ID 1792884 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1792884)).

**Summary:** Rachelle Killman (NMLS 1792884) is Sr. Loan Officer at Lower, based in Harrisburg, NC. Lists 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: 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

Based in Harrisburg, North Carolina, serving homebuyers and homeowners throughout the Charlotte metro area with a clear, straightforward lending process.

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

## Facts from the lender page and intro

- service_area: Charlotte metro area. Source: https://www.lower.com/loan-officers/north-carolina/harrisburg/rachelle-killman, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| NC | state_license | I-183070 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| SC | state_license | MLO-1792884 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Harrisburg, NC. Source: https://www.lower.com/loan-officers/north-carolina/harrisburg/rachelle-killman, verified 2026-10-10.
- ? to 2026-10-11: Fairway Independent Mortgage Corporation (NMLS 2289), Charlotte, NC. Source: https://www.fairway.com/lo/rachelle-killman-1792884, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1792884

## Contact

- View profile at Lower: https://www.lower.com/loan-officers/north-carolina/harrisburg/rachelle-killman
- Email on file: shown at https://lendb.ai/lo/rachelle-killman-1792884#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1792884
- lender_site: https://www.lower.com/loan-officers/north-carolina/harrisburg/rachelle-killman
- lender_site: https://www.fairway.com/lo/rachelle-killman-1792884
- lender_site (lender programs): https://www.lower.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Rachelle Killman (NMLS 1792884), Lower. LenDb.ai, https://lendb.ai/lo/rachelle-killman-1792884, last verified 2026-10-10.

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