---
canonical_url: https://lendb.ai/lo/whitney-o-meara-191101
json_url: https://lendb.ai/lo/whitney-o-meara-191101.json
nmls_id: 191101
last_verified: 2026-10-09
---

# Whitney O'Meara

Senior Loan Officer at First Heritage Mortgage. NMLS ID 191101 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/191101)).

**Summary:** Whitney O'Meara (NMLS 191101) is Senior Loan Officer at First Heritage Mortgage. Licensed in Florida, confirmed with the state regulator (license LO123275). Also lists North Carolina, South Carolina and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer and Real estate investor. Licensed since 2023 (per Florida records). States 18 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2023 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 18 (source: https://fhmtg.com/officers/whitney-omeara/, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), North Carolina (NC, lender_reported), South Carolina (SC, lender_reported), Virginia (VA, 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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.85, verified 2026-10-09. Source: https://fhmtg.com/officers/whitney-omeara/
- **Real estate investor** (`investor`): lender page, confidence 0.85, verified 2026-10-09. Source: https://fhmtg.com/officers/whitney-omeara/

## About

Native of North Carolina with over 18 years of residential lending experience. Expert in all loan programs, particularly strong with first-time homebuyers and investors.

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

## Facts from the lender page and intro

- years_experience: 18. Source: https://fhmtg.com/officers/whitney-omeara/, verified 2026-10-09.
- education: Degree in Finance and Management Information Systems from University of NC at Wilmington; MBA from University of Mary Washington. Source: https://fhmtg.com/officers/whitney-omeara/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO123275 | active | confirmed | 2023-09-27 | state_regulator | 2026-10-09 |
| NC | 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 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: First Heritage Mortgage (NMLS 86548). Source: https://fhmtg.com/officers/whitney-omeara/, 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/191101

## Contact

- linkedin_url: https://www.linkedin.com/in/whitney-o-meara-70b7354/ (source: lender_site, verified 2026-10-09)
- View profile at First Heritage Mortgage: https://fhmtg.com/officers/whitney-omeara/
- Office phone on file: shown at https://lendb.ai/lo/whitney-o-meara-191101#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/191101
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://fhmtg.com/officers/whitney-omeara/

Cite as: Whitney O'Meara (NMLS 191101), First Heritage Mortgage. LenDb.ai, https://lendb.ai/lo/whitney-o-meara-191101, last verified 2026-10-09.

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