---
canonical_url: https://lendb.ai/lo/sandra-upton-480518
json_url: https://lendb.ai/lo/sandra-upton-480518.json
nmls_id: 480518
last_verified: 2026-10-09
---

# Sandra Upton

Mortgage Loan Officer at First Citizens Bank, Greenville, SC. NMLS ID 480518 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/480518)).

**Summary:** Sandra Upton (NMLS 480518) is Mortgage Loan Officer at First Citizens Bank, based in Greenville, SC. Lists South Carolina on the lender page (not yet checked with the state regulator). Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: USDA loan, Renovation loan (203k / HomeStyle), Construction loan, FHA loan and First-time buyer. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: South Carolina (SC, lender_reported)
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- 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

- **USDA loan** (`usda`): lender page, confidence 0.39, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/greenville/sandra-upton
- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.21, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/greenville/sandra-upton
- **Construction loan** (`construction`): lender page, confidence 0.16, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/greenville/sandra-upton
- **FHA loan** (`fha`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/greenville/sandra-upton
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/greenville/sandra-upton
- **Jumbo loan** (`jumbo`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/greenville/sandra-upton
- **Physician and medical professional** (`physician`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/greenville/sandra-upton
- **Self-employed** (`self-employed`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/greenville/sandra-upton
- **VA loan** (`va`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/greenville/sandra-upton
- **Vacation home** (`vacation-home`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/greenville/sandra-upton

## About

Sandra has been a banker in Greenville since August 1990 and focuses on finding the best mortgage program to meet clients' individual needs through communication and prompt response.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: since 1990. Source: https://bankers.firstcitizens.com/mortgage/sc/greenville/sandra-upton, verified 2026-10-09.
- education: Business Degree from College of Charleston. Source: https://bankers.firstcitizens.com/mortgage/sc/greenville/sandra-upton, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: First Citizens Bank (NMLS 503941), Greenville, SC. Source: https://bankers.firstcitizens.com/mortgage/sc/greenville/sandra-upton, 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/480518

## Contact

- linkedin_url: https://www.linkedin.com/in/sandyupton/ (source: lender_site, verified 2026-10-09)
- View profile at First Citizens Bank: https://bankers.firstcitizens.com/mortgage/sc/greenville/sandra-upton
- Office phone and Email on file: shown at https://lendb.ai/lo/sandra-upton-480518#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/480518
- lender_site: https://bankers.firstcitizens.com/mortgage/sc/greenville/sandra-upton

Cite as: Sandra Upton (NMLS 480518), First Citizens Bank. LenDb.ai, https://lendb.ai/lo/sandra-upton-480518, last verified 2026-10-09.

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