Independent mortgage bank

Lower

Company NMLS ID 1124061 (opens in a new tab) · lower.com (opens in a new tab)

Lower (company NMLS 1124061) is an independent mortgage lender. LenDb lists 242 of its loan officers, with branches in 28 states, each with an individual NMLS ID, licensed states and sources.

Last verified 2026-10-10. Sources: Lower's own loan officer directory and NMLS Consumer Access.

242 loan officers on LenDb
28 branch states
Disciplinary history not yet checked

Loan officers

Alabama 3

Ingrid Dioses · Orange Beach · Loan Partner
Mike Carey · Orange Beach · Senior Loan Officer
Nikki Benefield · South Oxford · Loan Originator

Arkansas 3

Josh Colvin · Little Rock · Sr. Loan Officer
Mark Brandon · Little Rock · Loan Officer Assistant
Steve Fischer · Little Rock · VP of Lending

Arizona 1

Anthony Converti · Phoenix · VP of Lending

California 10

Adriel Esparza · Seal Beach · Regional Vice President
Alan Ben-Porat · Valencia · Loan Officer
Claudia Diaz · Los Angeles · Loan Officer
Craig Barton · Fresno · Branch Manager
Dilza Herrod · Seal Beach · Loan Officer
Gino Fronti · Valencia · EVP, Division President West & VP of Product for LOAi
Irma Arteaga · Valencia · Loan Officer
Josh Jarrard · Valencia · Loan Officer
Miguel Esersky · Valencia · Loan Officer
Scott Edwards · Valencia · Loan Officer

Colorado 13

Alisa Anderson · Greenwood Village · Loan Officer
Beth Anderson · Greenwood Village · Loan Officer
Donna Hudson · Greenwood Village · Loan Officer
Heather Dirschl · Greenwood Village · Branch Manager, VP
Jaye Forte · Greenwood Village · Loan Officer
Jodianne Carrino · Greenwood Village · Loan Officer
Judy L Jones · Greenwood Village · Loan Officer
Karen Goodwin · Greenwood Village · Regional Lead - Operations Sales Support
KC Harney · Greenwood Village · Loan Officer
Kristina Fischer · Greenwood Village · Loan Officer
Nancy Fridstein · Greenwood Village · Loan Officer
Nicky Hungerford · Greenwood Village · Loan Officer
Tonya Jenkins · Greenwood Village · Loan Officer

Florida 37

Amanda Berry · Fort Myers · Mortgage Loan Advisor
Austin Brown · Bonita Springs · Loan Officer
Bob Chamorro · Coral Gables · Branch Manager
Brian Heckman · Tampa · Branch Manager, VP
Cheryl Baldwin · Fort Myers · Sales Manager
Christine Guddal-Sims · Bonita Springs · Sr. Loan Officer
Codey Dalton · Tampa · Loan Officer
Dorjan Arapi · Clearwater · Loan Officer
Edgard Gonzalez · Fort Myers · Loan Advisor
Elizabeth Goetsch · Bonita Springs · Sr. Loan Officer
Erica Hilla · Bonita Springs · Sr. Loan Officer
Farryl Brooke · Delray Beach · Loan Originator
Ira Goldberg · Boca Raton · Branch Manager, VP
Jay Bruno · Spring Hill · Loan Officer
Jerry Heckman · Spring Hill · Loan Officer
Jim Fisher · Spring Hill · Divisional Manager
Jonathan Howard · Tampa · Branch Manager
Jorge Betancourt · Coral Gables · Loan Officer
Justine Assal · Fort Myers · Loan Officer
Karen Greenwood · Arcadia · Loan Originator
Katie Henry · Brooksville · Branch Manager
Libby Ford · Jacksonville · Loan Officer
Lisa Cohen · Delray Beach · Loan Officer
Marc Aguiar · Ocala · Loan Officer
Marc Creach · Marco Island · Producing Branch Manager
Maureen Helm · Lakewood Ranch · VP of Lending – Co-Producing Branch Manger
Melanie Brown · Arcadia · Branch Manager
Michael Baralt · Clearwater · Branch Manager, VP
Michael Graffeo · Delray Beach · MLO
Nathan Davis · Fort Myers · Loan Originator
P Connor Hancock · Fort Myers · Sales Manager
Seth Dickerson · Spring Hill · Loan Officer
Susan Jessen · Bonita Springs · Sr. Loan Officer
Tammy Bacmeister · Spring Hill · Loan Officer
Tyler Helm · Lakewood Ranch · VP of Lending - Branch Manager
Wendy Buckingham · Bonita Springs · Sr. Loan Officer
William Baralt · Clearwater · Branch Manager, VP

Georgia 15

Bill Decker · Duluth · Loan Advisor
Blaine Bailey · Alpharetta · Loan Advisor
Brett Depriest · Alpharetta · Divisional SVP
Brittany Ashe · Duluth · Licensed Loan Partner
Cindy Hammond · Cleveland · Branch Manager, VP
Dyan Edwards · Canton · Loan Officer
Eva Aycock · Social Circle · Branch Manager
Jeff Ingram · Duluth · Branch Sales Manager
Logan Judah · Canton · VP of Lending
Rick Fantucci · Alpharetta · Branch Sales Manager
Stacey DePriest · Alpharetta · Licensed Loan Partner
Stephen Gowen · Duluth · Area Sales Manager
Tanner Aycock · Social Circle · Branch Sales Manager
Terri Cagle · Alpharetta · Loan Advisor
Tina Harrison · Alpharetta · Loan Advisor

Iowa 1

Dane Eischeid · West Des Moines · VP of Lending

Idaho 4

Debbie Holsman · Eagle · Branch & Operations Manager, VP
Fred Holsman · Eagle · Sr. Loan Officer
Michael Hull · Eagle · Loan Officer
Rich Holsman · Eagle · Branch Manager, VP of Lending

Illinois 3

Jared Blasingame · Glen Carbon · Licensed Loan Coordinator
John Hultberg · Downers Grove · Sr. Loan Officer
Jon Altizer · Downers Grove · Branch Manager, VP

Indiana 1

Jeremy Daugherty · Sandborn · VP of Lending

Kentucky 2

Ashley Higdon · Lebanon · VP of Lending
Matt Groves · Franklin · Loan Partner

Louisiana 4

Brandin Brewer · Baton Rouge · Regional Sales Manager
Brianna Floyd · Lake Charles · Sr. Loan Officer
Cody Heard · Lake Charles · Branch Manager
John Anderson · Lake Charles · Loan Officer

Maryland 19

Anders Johncke · Columbia · Area Manager
Brenda Davis · Columbia · Sr. Loan Officer
Brittney Aybar · Columbia · Loan Officer Assistant
Cary Jordan · Columbia · Loan Officer
Clifford Brown · Columbia · Sr. Loan Officer
Doug Bills · Columbia · VP of Lending
Jim Gaffney · Columbia · Area Manager
Joe Harris · Columbia · VP of Lending
Kevin Kane · Rockville · Loan Officer
Lisa Gaton-Rapena · Columbia · Sr. Loan Officer
Lou Atkins · Columbia · Loan Originator
Melinda Bennett · Columbia · Loan Officer
Mike Crowder · Columbia · Sr. Loan Officer
Patrick Joyce · Columbia · Loan Officer
Russell Carmichael · Columbia · Branch Manager, VP
Scott Asbell · Columbia · Branch Manager
William Earnest · Columbia · Loan Officer
Yvonne Diallo · Columbia · Sr. Loan Officer
Zachary Asbell · Columbia · Loan Officer

Missouri 3

George DeMare · St. Louis · Regional Manager
Jim Grasso · Hannibal · Loan Officer
Steve Casterline · Kansas City · Branch Manager, VP

Montana 1

Brian Hafner · Billings · Branch Manager

North Carolina 8

Blake Herring · Goldsboro · VP of Lending
Clay Brown · Greenville · VP of Lending
Earnest M Haynes Jr · Harrisburg · Loan Officer
Jamie Harrington · Wilmington · Sales Manager, VP
Kelly Jennings · Wilmington · Sr. Loan Officer
Lilly Horne · New Bern · Loan Officer
Phil Cunningham · Wilmington · Producing Branch Manager
Sam Henrickson · Fayetteville · Branch Sales Manager

New Jersey 6

Adam Heiligman · Cherry Hill · Branch Manager, VP
Bob Basmajian · Cherry Hill · Senior Loan Officer
George Cioci · Cherry Hill · Loan Officer
Jason Haugh · Cherry Hill · Sales Manager
Kristen Clarke · Cherry Hill · Sales Manager
Marco Garofalo · Cherry Hill · Sr. Loan Officer

Nevada 2

Coby Baker · Las Vegas · Branch Manager, VP
Gina Baker · Las Vegas · Branch Manager, VP

Ohio 37

Amy Cea · Columbus · Loan Officer
Austin Clarkson · Columbus · Branch Manager, VP
Ben Gbur · Columbus · Senior Loan Officer
Blake Joe · Columbus · Senior Loan Officer
Brad Angel · Columbus · Loan Officer
Brandon Hartley · Columbus · Senior Loan Officer
Cameron Antle · Columbus · Loan Officer
Colin Gelal · Columbus · Loan Officer
Connor Farley · Columbus · Sales Manager
Devin Harris · Columbus · Loan Officer
Elijah Chambers · Columbus · Senior Loan Officer
Eric Gerber · Dublin · Regional Vice President
Heather Bleoo · Columbus · Loan Officer
Jake Baynes · Columbus · Loan Officer
Jared Derosa · Columbus · Senior Executive Loan Officer
Joe Bauer · Columbus · Senior Loan Officer
Jose Duarte · Columbus · Loan Officer
Josie George · Dublin · Sr. Loan Officer
Justice Anderson · Columbus · Loan Officer
Kerry Gerber · Dublin · Loan Officer
Kole Clay · Columbus · Loan Officer
Marco Aledia · Dublin · Sales Manager, AVP
Marquise Boykin · Columbus · Loan Officer
Mason Burkhalter · Columbus · Senior Loan Officer
Miles Juschka · Columbus · Senior Executive Loan Officer
Monica Hughes · Dublin · AVP, Sales Support Supervisor
Nate Ebling · Columbus · Sr. Loan Officer
Nick Caravana · Columbus · Senior Executive Loan Officer
Owen Dysart · Columbus · Executive Loan Officer
Sam Berman · Columbus · VP of Lending
Shawn Baird · Columbus · Senior Executive Loan Officer
Sheri Bowman · Columbus · Sr. Loan Officer
Todd Ireland · Columbus · Sr. Loan Officer
Trenton Burke · Columbus · Senior Loan Officer
Trey Bolin · Columbus · Sr. Loan Officer
Ty Bucci · Columbus · EVP of Sales
Warren Chiapparelli · Columbus · Executive Loan Officer

Oklahoma 1

Mallory Benne · Bartlesville · Branch Manager

Oregon 2

Doug Jacobson · Tualatin · Branch Manager, VP of Lending
John Belli · Tualatin · Branch Manager, VP

Pennsylvania 1

Paul Berkobin · Radnor · Regional Manager, VP

South Carolina 6

Bruce Buckless · Greenville · Regional Vice President
Corey Deitsch · Goose Creek · Loan Officer
Landon Kail · Goose Creek · VP of Lending
Laura Heath · Goose Creek · Production Manager - RMLO
Lisa DePriest · Greenville · Loan Advisor
Megan Deitsch · Goose Creek · Loan Officer

Tennessee 7

Adam Greene · Knoxville · Branch Manager, VP
Cassie Johnson · Knoxville · Loan Officer
Kent DePriest · Collierville · Regional Vice President
McLean Fowler · Gallatin · Loan Advisor
Rhonda Holt · Gallatin · Area Sales Manager – Producing Branch Manager
Ruth Dudley · Knoxville · Loan Officer
Tracey Erickson · Knoxville · Branch Manager, VP

Texas 35

Al Hewitt · Hurst · Loan Officer
Alex Cuevas · Edinburg · Loan Officer
Ana Cabrales · Edinburg · Sales Manager, AVP
Beronica Gonzalez · Edinburg · Loan Officer
Brandi Gross · Hurst · Branch Manager
Chris Berra · El Paso · Branch Manager, VP
Deanna Adams · Hurst · Loan Officer
Diana Gomez · Edinburg · Loan Officer
Diana Jacquez · El Paso · Client Experience Manager
Dwayne Graham · Sugar Land · Branch Manager
Erik Gross · Hurst · Branch Manager
Greg Jones · Port Isabel · Branch Manager
Hailey Earley · Hughes Springs · Loan Officer
Jack Gross · Hurst · Loan Officer
Jamie Beaston · Hurst · Branch Manager, VP
Jasmine Cavazos Mendoza · Edinburg · Loan Officer
Jessica Hidalgo · Hughes Springs · Loan Officer
Karina Cabrales · Edinburg · Loan Officer
Kerry Bickham · Hughes Springs · Loan Officer
Kevin Adamson · Richardson · Loan Officer
Kristi Day · Richardson · Loan Officer
Leslie Bergen · El Paso · VP of VA Lending
Lonny Coffey · Hurst · Loan Officer
Luis G Cantu Perez · Edinburg · Loan Officer
Michael J Fooshee · Dallas · Branch Manager, VP Of Lending
Nikkie Bickham · Hughes Springs · VP of Lending
Patrick Borovay · Richardson · Branch Manager, VP
Paty Cabrales · Edinburg · Branch Manager, VP
Paul Greer · Hurst · Loan Officer
Rachael Calk · Hughes Springs · Loan Officer
Stephanie Brister · El Paso · Loan Officer
Taylor Fruge · Dallas · Producing Sales Manager
Tyler Garcia · El Paso · Branch Manager
Walter Gallipeau · Dallas · VP Sales Manager
Wes Avery · Richardson · Loan Officer

Virginia 9

Danny Currie · Fairfax · Branch Manager, VP
Danny Horrell · Fairfax · Loan Officer
Francoise Gonzales · Fairfax · Sr. Loan Officer
Jake Adler · Fishersville · VP of Lending
Jay Avila · Fairfax · Loan Officer
Jose Gonzalez · Fairfax · Sr. Loan Officer
Lorena Dominguez Noriega · Fairfax · Loan Officer
Richard Johnson · Fairfax · Regional Manager, VP
Suliman Bahrami · Fairfax · Loan Officer

Washington 6

Casey Granston · Seattle · Branch Manager, VP
Casey Hendrickson · Seattle · Loan Officer
Christopher Campos · Kennewick · Sr. Loan Officer
Jenifer Hawkins · Seattle · Loan Officer
Sean Antonius · Seattle · Branch Manager, VP
Ty Cannon · Seattle · Loan Officer

Branch not listed 2

Brian Angarone · Sr. Loan Officer
Ed Gremo · Loan Officer

Source: lender site (loan officer directory (opens in a new tab)), verified 2026-10-10. Also as JSON. Lender-neutral: nobody pays to be listed or ranked.