Richard Higginbotham

United Lending Team, INC

NMLS ID 1654158 (opens in a new tab) · verify at NMLS Consumer Access

Richard Higginbotham (NMLS 1654158) is a mortgage loan officer at United Lending Team, INC, licensed in Florida, Iowa and Oregon.

Last verified . Sources: United Lending Team, INC (dfr.oregon.gov), Florida state regulator, Iowa state regulator, Oregon state regulator, California state regulator and NMLS Consumer Access (license status, check live).

Quick answers

Is Richard licensed in Florida?
Yes. Florida regulator records list license LO135513 as active, first effective February 18, 2025 (verified 2026-10-15). LenDb has 2 other states on file for Richard.
Source: Florida state regulator (opens in a new tab)
What lender does Richard work for?
United Lending Team, INC, company NMLS 2273319, per the lender's own site (verified 2026-10-20).
Source: lender site (opens in a new tab)
How long has Richard been licensed?
The earliest state license record LenDb holds for Richard is from December 13, 2017 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
Source: California state regulator (opens in a new tab)

Specialties

Focus

No focus listed on their lender page yet.

    Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.

    Licensed states

    AKMEVTNHWAIDMTNDMNILWIMINYMARIORNVWYSDIAINOHPANJCTCAUTCONEMOKYWVVAMDDEAZNMKSARTNNCSCDCOKLAMSALGAHITXFL

    Florida, Iowa, Oregon

    ✓ Confirmed with the state regulator: FL (opens in a new tab) (LO135513, first effective 2025-02-18), IA (opens in a new tab) (55810, first effective 2025-12-12), OR (opens in a new tab), verified 2026-10-15.

    Regulator records not active: CA DFPI (inactive).

    Contact

    No public business contact on file.

    We never see who you contact.

    Employment history

    1. United Lending Team, INC NMLS 2273319

      Current · seen on lender site 2026-10-20

    2. Federal First Lending LLC NMLS 2381991

      Current · seen on lender site 2026-10-20

    Disciplinary history

    Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).

    Sources

    Name and employerstate regulator · dfr.oregon.gov (opens in a new tab)verified 2026-10-20
    Licenses (regulator)state regulator · dfpi.ca.gov (opens in a new tab)verified 2026-10-24
    License statusNMLS Consumer Access (opens in a new tab)check live

    Also available as Markdown, JSON, or via the API.

    Cite as: Richard Higginbotham (NMLS 1654158), United Lending Team, INC. LenDb.ai, https://lendb.ai/lo/richard-higginbotham-1654158, last verified 2026-10-20.

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