---
canonical_url: https://lendb.ai/lo/ric-harter-964644
json_url: https://lendb.ai/lo/ric-harter-964644.json
nmls_id: 964644
last_verified: 2026-10-09
---

# Ric Harter

Loan Officer at Highlands Residential Mortgage, Kirkland, WA. NMLS ID 964644 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/964644)).

**Summary:** Ric Harter (NMLS 964644) is Loan Officer at Highlands Residential Mortgage, based in Kirkland, WA. Lists Arizona, Oregon and Washington on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan, First-time buyer, Real estate investor and VA loan. Last verified 2026-10-09.

## 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: Arizona (AZ, lender_reported), Oregon (OR, lender_reported), Washington (WA, 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

- **FHA loan** (`fha`): lender page, confidence 0.10, verified 2026-10-09. Source: https://www.highlandsmortgage.com/agents/ric-harter/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://www.highlandsmortgage.com/agents/ric-harter/
- **Real estate investor** (`investor`): lender page, confidence 0.10, verified 2026-10-09. Source: https://www.highlandsmortgage.com/agents/ric-harter/
- **VA loan** (`va`): lender page, confidence 0.10, verified 2026-10-09. Source: https://www.highlandsmortgage.com/agents/ric-harter/

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OR | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Highlands Residential Mortgage (NMLS 134871), Kirkland, WA. Source: https://www.highlandsmortgage.com/agents/ric-harter/, 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/964644

## Contact

- linkedin_url: https://www.linkedin.com/in/richarter/ (source: lender_site, verified 2026-10-09)
- View profile at Highlands Residential Mortgage: https://www.highlandsmortgage.com/agents/ric-harter/
- Office phone and Email on file: shown at https://lendb.ai/lo/ric-harter-964644#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/964644
- lender_site: https://www.highlandsmortgage.com/agents/ric-harter/

Cite as: Ric Harter (NMLS 964644), Highlands Residential Mortgage. LenDb.ai, https://lendb.ai/lo/ric-harter-964644, last verified 2026-10-09.

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