---
canonical_url: https://lendb.ai/lo/robert-carter-898005
json_url: https://lendb.ai/lo/robert-carter-898005.json
nmls_id: 898005
last_verified: 2026-10-09
---

# Robert Carter

Branch Manager at Highlands Residential Mortgage, Knoxville, TN. NMLS ID 898005 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/898005)).

**Summary:** Robert Carter (NMLS 898005) is Branch Manager at Highlands Residential Mortgage, based in Knoxville, TN. Licensed in Florida, confirmed with the state regulator (license LO95132). Also lists Alabama, Georgia, Kentucky, North Carolina, South Carolina, Tennessee and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Condo, Construction loan, Manufactured home, Vacation home and FHA loan. Licensed since 2021 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2021 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), Georgia (GA, lender_reported), Kentucky (KY, lender_reported), North Carolina (NC, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, lender_reported), Virginia (VA, 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

- **Condo** (`condo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.highlandsmortgage.com/agents/robert-carter/
- **Construction loan** (`construction`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.highlandsmortgage.com/agents/robert-carter/
- **Manufactured home** (`manufactured`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.highlandsmortgage.com/agents/robert-carter/
- **Vacation home** (`vacation-home`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.highlandsmortgage.com/agents/robert-carter/
- **FHA loan** (`fha`): lender page, confidence 0.10, verified 2026-10-09. Source: https://www.highlandsmortgage.com/agents/robert-carter/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://www.highlandsmortgage.com/agents/robert-carter/
- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.10, verified 2026-10-09. Source: https://www.highlandsmortgage.com/agents/robert-carter/
- **VA loan** (`va`): lender page, confidence 0.10, verified 2026-10-09. Source: https://www.highlandsmortgage.com/agents/robert-carter/

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO95132 | active | confirmed | 2021-09-27 | state_regulator | 2026-10-09 |
| AL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| KY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| SC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Highlands Residential Mortgage (NMLS 134871), Knoxville, TN. Source: https://www.highlandsmortgage.com/agents/robert-carter/, 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/898005

## Contact

- View profile at Highlands Residential Mortgage: https://www.highlandsmortgage.com/agents/robert-carter/
- Office phone and Email on file: shown at https://lendb.ai/lo/robert-carter-898005#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/898005
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.highlandsmortgage.com/agents/robert-carter/

Cite as: Robert Carter (NMLS 898005), Highlands Residential Mortgage. LenDb.ai, https://lendb.ai/lo/robert-carter-898005, last verified 2026-10-09.

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