Sarah Kubicki
Executive Loan Officer at INDEPENDENCE HOME LOANS LLC
NMLS ID 876986 (opens in a new tab) · verify at NMLS Consumer Access
Sarah Kubicki (NMLS 876986) is an Executive Loan Officer at INDEPENDENCE HOME LOANS LLC, licensed in Florida, Texas, Connecticut and 9 more states. Sarah's lender page shows a focus on FHA loan and VA loan.
Last verified . Sources: INDEPENDENCE HOME LOANS LLC (independencehl.com), Florida state regulator, Texas state regulator, Connecticut state regulator, Louisiana state regulator, Delaware state regulator, Missouri state regulator, Arkansas state regulator, Iowa state regulator, Oregon state regulator, Wisconsin state regulator, California state regulator, Maryland state regulator, Illinois state regulator, Nevada state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: November 21, 2023 (Iowa), per state regulator
- 15 years experience (stated)
- 12 states
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is Sarah licensed in Florida?
- Yes. Florida regulator records list license LO124555 as active, first effective December 1, 2023 (verified 2026-10-15). LenDb has 11 other states on file for Sarah.
- Source: Florida state regulator (opens in a new tab)
- Does Sarah do FHA loans?
- Sarah's profile lists FHA loan as a focus (from their lender profile page). It also lists VA loan.
- Source: lender page (opens in a new tab)
- What lender does Sarah work for?
- INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15).
- Source: lender site (opens in a new tab)
- How long has Sarah been licensed?
- The earliest state license record LenDb holds for Sarah is from November 21, 2023 (Iowa regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Sarah states 15 years of experience.
- Source: Iowa state regulator (opens in a new tab)
Specialties
Focus
Where we saw these: independencehl.com (opens in a new tab)
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
Florida, Texas, Connecticut, Louisiana, Delaware, Missouri, Arkansas, Oregon, California, Maryland, Illinois, Nevada
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO124555, first effective 2023-12-01), TX (opens in a new tab), CT (opens in a new tab) (LO-876986), LA (opens in a new tab), DE (opens in a new tab), MO (opens in a new tab), AR (opens in a new tab), OR (opens in a new tab), CA DFPI (opens in a new tab) (CA-DFPI876986, first effective 2024-02-14), MD (opens in a new tab), IL (opens in a new tab) (31.0083342, first effective 2023-11-21), NV (opens in a new tab) (NMLO-1201217, first effective 2024-04-25), verified 2026-10-15. Source: State of Missouri (see disclaimer).
Regulator records not active: IA (expired), WI (expired).
Contact
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Employment history
INDEPENDENCE HOME LOANS LLC NMLS 2524174
Current · seen on lender site 2026-10-15
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Sources
| Name and employer | state regulator · independencehl.com (opens in a new tab) | verified 2026-10-15 |
| Licenses (regulator) | state regulator · mld.nv.gov (opens in a new tab) | verified 2026-10-31 |
| Specialties | lender site · independencehl.com (opens in a new tab) | verified 2026-10-26 |
| Contact | lender site · independencehl.com (opens in a new tab) | verified 2026-10-15 |
| Photo | state regulator · independencehl.com (opens in a new tab) | verified 2026-10-15 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Sarah Kubicki (NMLS 876986), INDEPENDENCE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/sarah-kubicki-876986, last verified 2026-10-31.
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