---
canonical_url: https://lendb.ai/lo/valerie-leonard-415176
json_url: https://lendb.ai/lo/valerie-leonard-415176.json
nmls_id: 415176
last_verified: 2026-10-09
---

# Valerie Leonard

Mortgage Banker at First Citizens Bank, Greenville, SC. NMLS ID 415176 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/415176)).

**Summary:** Valerie Leonard (NMLS 415176) is Mortgage Banker at First Citizens Bank, based in Greenville, SC. Lists Georgia and 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), FHA loan, Self-employed and VA loan. 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: Georgia (GA, lender_reported), 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/valerie-leonard
- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.21, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/greenville/valerie-leonard
- **FHA loan** (`fha`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/greenville/valerie-leonard
- **Self-employed** (`self-employed`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/greenville/valerie-leonard
- **VA loan** (`va`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/greenville/valerie-leonard
- **Vacation home** (`vacation-home`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/greenville/valerie-leonard

## About

Valerie has over 25 years in residential lending as an originator, with prior experience as a loan processor and underwriter. She specializes in first-time homebuyer, construction, conventional, jumbo, government and medical professional loans.

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

## Facts from the lender page and intro

- years_experience: over 25. Source: https://bankers.firstcitizens.com/mortgage/sc/greenville/valerie-leonard, verified 2026-10-09.
- role: Prior experience as mortgage loan processor and underwriter. Source: https://bankers.firstcitizens.com/mortgage/sc/greenville/valerie-leonard, verified 2026-10-09.
- education: College of Charleston. Source: https://bankers.firstcitizens.com/mortgage/sc/greenville/valerie-leonard, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| 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/valerie-leonard, 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/415176

## Contact

- linkedin_url: https://www.linkedin.com/in/valerievleonard/ (source: lender_site, verified 2026-10-09)
- View profile at First Citizens Bank: https://bankers.firstcitizens.com/mortgage/sc/greenville/valerie-leonard
- Office phone and Email on file: shown at https://lendb.ai/lo/valerie-leonard-415176#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/415176
- lender_site: https://bankers.firstcitizens.com/mortgage/sc/greenville/valerie-leonard

Cite as: Valerie Leonard (NMLS 415176), First Citizens Bank. LenDb.ai, https://lendb.ai/lo/valerie-leonard-415176, last verified 2026-10-09.

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