--- canonical_url: https://lendb.ai/lo/sheldon-palmer-1979579 json_url: https://lendb.ai/lo/sheldon-palmer-1979579.json nmls_id: 1979579 last_verified: 2026-10-30 --- # Sheldon Palmer Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. NMLS ID 1979579 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1979579)). Sheldon Palmer (NMLS 1979579) is an Executive Loan Officer at INDEPENDENCE HOME LOANS LLC, licensed in California since 2020 and in Florida, Delaware, Arkansas and 2 more states. **Summary:** Sheldon Palmer (NMLS 1979579) is Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. Licensed in 6 states confirmed with state regulators: Florida, Delaware, Arkansas, Oregon, California and Maryland. Earliest state license record: November 4, 2020 (California), per state regulator. States 7 years of experience. Last verified 2026-10-30. ## Quick answers ### Is Sheldon licensed in Florida? Yes. Florida regulator records list license LO77100 as active, first effective November 12, 2020 (verified 2026-10-15). LenDb has 5 other states on file for Sheldon. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ### What lender does Sheldon work for? INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15). Source: https://independencehl.com/sheldon-palmer/. ### How long has Sheldon been licensed? The earliest state license record LenDb holds for Sheldon is from November 4, 2020 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Sheldon states 7 years of experience. Source: https://dfpi.ca.gov/. ## At a glance - Earliest state license record: November 4, 2020 (California), 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): 7 (source: https://independencehl.com/sheldon-palmer/, verified 2026-10-15) - Also licensed as (state regulator records, same NMLS ID): Sheldon K. Palmer (AR, CA, DE, FL, MD, OR, as of 2026-10-30) - Licensed in: Florida (FL, confirmed), Delaware (DE, confirmed), Arkansas (AR, confirmed), Oregon (OR, confirmed), California (CA DFPI, confirmed), Maryland (MD, 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) - None on file yet. ## About Sheldon Palmer is an Executive Loan Officer with over 7 years of experience. Outside work they enjoy being a musician, golfing and hiking Camelback Mountain, and they contribute to their local community. Source: LenDb summary of the lender page, verified 2026-10-15. ## Facts from the lender page and intro - years_experience: 7. Source: https://independencehl.com/sheldon-palmer/, verified 2026-10-15. - community: Contributes to local community. Source: https://independencehl.com/sheldon-palmer/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO77100 | active | confirmed | 2020-11-12 | state_regulator | 2026-10-15 | | DE | Delaware regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-30 | | AR | Arkansas regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-20 | | OR | Oregon regulator | state_license | n/a | active | confirmed | 2021-05-12 | state_regulator | 2026-10-20 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI1979579 | active | confirmed | 2020-11-04 | state_regulator | 2026-10-24 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | ## Employment history - ? to present: INDEPENDENCE HOME LOANS LLC (NMLS 2524174). Source: https://independencehl.com/sheldon-palmer/, 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/1979579 ## Contact - View profile at INDEPENDENCE HOME LOANS LLC: https://independencehl.com/sheldon-palmer/ - Office phone and Email on file: shown at https://lendb.ai/lo/sheldon-palmer-1979579#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1979579 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/ - state_regulator: https://securities.arkansas.gov/loans/nmls/ - state_regulator: https://dfr.oregon.gov/ - state_regulator: https://dfpi.ca.gov/ - state_regulator: https://www.labor.maryland.gov/finance/ - lender_site: https://independencehl.com/sheldon-palmer/ Cite as: Sheldon Palmer (NMLS 1979579), INDEPENDENCE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/sheldon-palmer-1979579, last verified 2026-10-30. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._