---
canonical_url: https://lendb.ai/lo/robert-carucci-98518
json_url: https://lendb.ai/lo/robert-carucci-98518.json
nmls_id: 98518
last_verified: 2026-10-15
---

# Bob Carucci

Mortgage Banker at BoxCar Mortgage, LLC. NMLS ID 98518 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/98518)).

**Summary:** Bob Carucci (NMLS 98518) is Mortgage Banker at BoxCar Mortgage, LLC. Licensed in Florida, confirmed with the state regulator (license LO148200). Earliest state license record: May 29, 2026 (Florida), per state regulator. States 30 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: May 29, 2026 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 30 (source: https://www.valorhl.com/bob-carucci, verified 2026-10-15)
- Licensed in: Florida (FL, confirmed)
- 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.

## Facts from the lender page and intro

- years_experience: 30. Source: https://www.valorhl.com/bob-carucci, verified 2026-10-15.
- other: Instrumental in startup companies and loan production offices in Southern New Jersey/Philadelphia area. Source: https://www.valorhl.com/bob-carucci, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO148200 | active | confirmed | 2026-05-29 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: BoxCar Mortgage, LLC (NMLS 1969375). Source: https://www.valorhl.com/bob-carucci, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/98518

## Contact

- View profile at BoxCar Mortgage, LLC: https://www.valorhl.com/bob-carucci
- Office phone and Email on file: shown at https://lendb.ai/lo/robert-carucci-98518#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/98518
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.valorhl.com/bob-carucci
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Bob Carucci (NMLS 98518), BoxCar Mortgage, LLC. LenDb.ai, https://lendb.ai/lo/robert-carucci-98518, last verified 2026-10-15.

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