--- canonical_url: https://lendb.ai/lo/sarah-kubicki-876986 json_url: https://lendb.ai/lo/sarah-kubicki-876986.json nmls_id: 876986 last_verified: 2026-10-31 --- # Sarah Kubicki Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. NMLS ID 876986 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/876986)). 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. **Summary:** Sarah Kubicki (NMLS 876986) is Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. Licensed in 12 states confirmed with state regulators: Florida, Texas, Connecticut, Louisiana, Delaware, Missouri, Arkansas, Oregon and 4 more. Focus areas shown on the lender page: FHA loan and VA loan. Earliest state license record: November 21, 2023 (Iowa), per state regulator. States 15 years of experience. Last verified 2026-10-31. ## 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: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ### 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: https://independencehl.com/sarah-kubicki/. ### What lender does Sarah work for? INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15). Source: https://independencehl.com/sarah-kubicki/. ### 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: https://idob.iowa.gov/. ## At a glance - Earliest state license record: November 21, 2023 (Iowa), 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): 15 (source: https://independencehl.com/sarah-kubicki/, verified 2026-10-15) - Also licensed as (state regulator records, same NMLS ID): Sarah C. Kubicki (AR, CA, CT, DE, FL, IA, LA, MD, MO, NV, OR, TX, as of 2026-10-30) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Connecticut (CT, confirmed), Louisiana (LA, confirmed), Delaware (DE, confirmed), Missouri (MO, confirmed), Arkansas (AR, confirmed), Oregon (OR, confirmed), California (CA DFPI, confirmed), Maryland (MD, confirmed), Illinois (IL, confirmed), Nevada (NV, confirmed) - 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - **FHA loan** (`fha`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://independencehl.com/sarah-kubicki/ - **VA loan** (`va`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://independencehl.com/sarah-kubicki/ ## Facts from the lender page and intro - years_experience: 15. Source: https://independencehl.com/sarah-kubicki/, verified 2026-10-15. - years_experience: since 2009. Source: https://independencehl.com/sarah-kubicki/, verified 2026-10-15. - role: Led top teams. Source: https://independencehl.com/sarah-kubicki/, verified 2026-10-15. - education: Bachelor's in Business Marketing from ASU. Source: https://independencehl.com/sarah-kubicki/, verified 2026-10-15. - community: Member of the Scottsdale Philharmonic. Source: https://independencehl.com/sarah-kubicki/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO124555 | active | confirmed | 2023-12-01 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2023-12-18 | state_regulator | 2026-10-13 | | CT | Connecticut regulator | state_license | LO-876986 | active | confirmed | | state_regulator | 2026-10-15 | | LA | Louisiana regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-15 | | DE | Delaware regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-30 | | MO | Missouri regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-19 | | AR | Arkansas regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-20 | | IA | Iowa regulator | state_license | 51058 | expired | confirmed | 2023-11-21 | state_regulator | 2026-10-20 | | OR | Oregon regulator | state_license | n/a | active | confirmed | 2023-11-28 | state_regulator | 2026-10-20 | | WI | Wisconsin regulator | state_license | 876986 | expired | confirmed | 2023-11-28 | state_regulator | 2026-10-21 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI876986 | active | confirmed | 2024-02-14 | state_regulator | 2026-10-24 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | | IL | Illinois regulator | state_license | 31.0083342 | active | confirmed | 2023-11-21 | state_regulator | 2026-10-28 | | NV | Nevada regulator | state_license | NMLO-1201217 | active | confirmed | 2024-04-25 | state_regulator | 2026-10-31 | ## Employment history - ? to present: INDEPENDENCE HOME LOANS LLC (NMLS 2524174). Source: https://independencehl.com/sarah-kubicki/, 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/876986 ## Contact - View profile at INDEPENDENCE HOME LOANS LLC: https://independencehl.com/sarah-kubicki/ - Office phone and Email on file: shown at https://lendb.ai/lo/sarah-kubicki-876986#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/876986 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut - state_regulator: https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/ - state_regulator: https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/ - state_regulator: https://finance.mo.gov/banks-0/bank-licensee-search - state_regulator: https://securities.arkansas.gov/loans/nmls/ - state_regulator: https://idob.iowa.gov/ - state_regulator: https://dfr.oregon.gov/ - state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/ - state_regulator: https://dfpi.ca.gov/ - state_regulator: https://www.labor.maryland.gov/finance/ - state_regulator: https://idfpr.illinois.gov/banks/resfin.html - state_regulator: https://mld.nv.gov/ - state_regulator: https://independencehl.com/sarah-kubicki/ Cite as: Sarah Kubicki (NMLS 876986), INDEPENDENCE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/sarah-kubicki-876986, last verified 2026-10-31. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._