---
canonical_url: https://lendb.ai/lo/timothy-higgins-177057
json_url: https://lendb.ai/lo/timothy-higgins-177057.json
nmls_id: 177057
last_verified: 2026-10-09
---

# Tim Higgins

SVP, Regional Manager, Mid-Atlantic at Embrace Home Loans, Timonium, MD. NMLS ID 177057 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/177057)).

**Summary:** Tim Higgins (NMLS 177057) is SVP, Regional Manager, Mid-Atlantic at Embrace Home Loans, based in Timonium, MD. Lists Maryland on the lender page (not yet checked with the state regulator). Earliest state license record: October 6, 2011 (Florida), per state regulator. States 28 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: October 6, 2011 (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): 28 (source: https://www.embracehomeloans.com/location/maryland/timonium/tim-higgins, verified 2026-10-09)
- Licensed in: Maryland (MD, lender_reported)
- 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


## About

Tim has 28 years of mortgage industry experience and serves as Regional Manager for Mid-Atlantic, holding the position for 10+ years. He grew production from $350M (2014) to $1.4B (2020), with $8B+ total closed production.

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

## Facts from the lender page and intro

- years_experience: 28. Source: https://www.embracehomeloans.com/location/maryland/timonium/tim-higgins, verified 2026-10-09.
- role: Regional Manager for Mid-Atlantic Region for more than a decade. Source: https://www.embracehomeloans.com/location/maryland/timonium/tim-higgins, verified 2026-10-09.
- credential: Regional Manager of the Year 2016, 2018. Source: https://www.embracehomeloans.com/location/maryland/timonium/tim-higgins, verified 2026-10-09.
- credential: Top Producing Region 2014, 2015, 2016. Source: https://www.embracehomeloans.com/location/maryland/timonium/tim-higgins, verified 2026-10-09.
- credential: Top Branch Manager 2009-2013. Source: https://www.embracehomeloans.com/location/maryland/timonium/tim-higgins, verified 2026-10-09.
- credential: Top 10 Loan Officer 2009-2013. Source: https://www.embracehomeloans.com/location/maryland/timonium/tim-higgins, verified 2026-10-09.
- other: Grew region's production from $350 million (2014) to $1.4 billion (2020); $8 billion total closed production; added 80+ loan officers. Source: https://www.embracehomeloans.com/location/maryland/timonium/tim-higgins, verified 2026-10-09.
- education: B.A. in Sociology from University of Maryland. Source: https://www.embracehomeloans.com/location/maryland/timonium/tim-higgins, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO10824 | inactive | confirmed | 2011-10-06 | state_regulator | 2026-10-09 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Embrace Home Loans (NMLS 2184), Timonium, MD. Source: https://www.embracehomeloans.com/location/maryland/timonium/tim-higgins, 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/177057

## Contact

- linkedin_url: http://www.linkedin.com/in/embracetim (source: lender_site, verified 2026-10-09)
- View profile at Embrace Home Loans: https://www.embracehomeloans.com/location/maryland/timonium/tim-higgins
- Office phone and Email on file: shown at https://lendb.ai/lo/timothy-higgins-177057#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/177057
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.embracehomeloans.com/location/maryland/timonium/tim-higgins

Cite as: Tim Higgins (NMLS 177057), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/timothy-higgins-177057, last verified 2026-10-09.

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