{
  "canonical_url": "https://lendb.ai/lo/amber-lee-937408",
  "lede": {
    "text": "Based in Columbus, Ohio, Amber Lee (NMLS 937408) is a Loan Officer at Lower, licensed in Iowa since 2025 and in Florida, Connecticut, Pennsylvania and 3 more states. Amber's focus, from their own profile, includes real estate investor, and Amber works at an FHA-approved lender, per HUD.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "specialties",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Amber licensed in Ohio?",
      "a": "Lower's page for Amber lists Ohio. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access. LenDb has 12 other states on file for Amber.",
      "fields": [
        "licenses"
      ],
      "source": "lender page",
      "source_url": "https://www.lower.com/loan-officers/ohio/columbus/amber-lee",
      "verified_at": "2026-10-10"
    },
    {
      "q": "Does Amber list real estate investor as a focus?",
      "a": "Amber's profile lists real estate investor as a focus (from their lender profile page).",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://www.lower.com/loan-officers/ohio/columbus/amber-lee",
      "verified_at": "2026-10-21"
    },
    {
      "q": "What lender does Amber work for, and is it FHA-approved?",
      "a": "Lower, company NMLS 1124061, from the Columbus, OH office, per the lender's own site (verified 2026-10-10). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026).",
      "fields": [
        "current_employment",
        "employer_program_approvals"
      ],
      "source": "lender site; HUD",
      "source_url": "https://www.lower.com/loan-officers/ohio/columbus/amber-lee",
      "verified_at": "2026-10-10"
    },
    {
      "q": "How long has Amber been licensed?",
      "a": "The earliest state license record LenDb holds for Amber is from September 29, 2025 (Iowa regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Iowa state regulator",
      "source_url": "https://idob.iowa.gov/",
      "verified_at": "2026-10-20"
    }
  ],
  "field_notes": {
    "languages": "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."
  },
  "loan_officer": {
    "nmls_id": 937408,
    "slug": "amber-lee-937408",
    "canonical_url": "https://lendb.ai/lo/amber-lee-937408",
    "md_url": "https://lendb.ai/lo/amber-lee-937408.md",
    "json_url": "https://lendb.ai/lo/amber-lee-937408.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/937408",
    "full_name": {
      "value": "Amber Lee",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/ohio/columbus/amber-lee",
      "verified_at": "2026-10-10"
    },
    "first_name": "Amber",
    "last_name": "Lee",
    "licensed_names": [
      {
        "name": "Amber Lee",
        "name_with_middle_initial": "Amber M. Lee",
        "first_name": "Amber",
        "middle_initial": "M",
        "last_name": "Lee",
        "states": [
          "AR",
          "CT",
          "FL",
          "IA",
          "MO",
          "PA"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-20"
      }
    ],
    "headshot_url": {
      "value": "https://www.lower.com/hs-fs/hubfs/airtable-imports/profile-pics/lo-amber-lee.jpg?quality=80&format=webp&width=800&height=800&name=lo-amber-lee.jpg",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/ohio/columbus/amber-lee",
      "verified_at": "2026-10-10"
    },
    "bio": {
      "value": "Amber focuses on purchase financing and also works with real estate investors. They are licensed in 12 states.",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/ohio/columbus/amber-lee",
      "verified_at": "2026-10-10"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/ohio/columbus/amber-lee",
      "verified_at": "2026-10-10"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/ohio/columbus/amber-lee",
      "verified_at": "2026-10-10"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 1124061,
      "lender_name": "Lower",
      "lender_slug": "lower-1124061",
      "branch_city": "Columbus",
      "branch_state": "OH",
      "branch_zip": "43215",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.lower.com/loan-officers/ohio/columbus/amber-lee",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/ohio/columbus/amber-lee",
      "verified_at": "2026-10-10"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "lender_slug": "lower-1124061",
        "branch_city": "Columbus",
        "branch_state": "OH",
        "branch_zip": "43215",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.lower.com/loan-officers/ohio/columbus/amber-lee",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/ohio/columbus/amber-lee",
        "verified_at": "2026-10-10"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO145776",
        "status": "active",
        "issued_at": "2026-03-11",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "CT",
        "license_type": "state_license",
        "license_number": "LO-937408",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "ct"
      },
      {
        "state": "PA",
        "license_type": "state_license",
        "license_number": "117422",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://data.pa.gov/d/tyxc-jyug",
        "verified_at": "2026-10-16",
        "confidence": "confirmed",
        "regulator": "pa"
      },
      {
        "state": "AR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://securities.arkansas.gov/loans/nmls/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ar"
      },
      {
        "state": "AZ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/ohio/columbus/amber-lee",
        "verified_at": "2026-10-10",
        "confidence": "lender_reported"
      },
      {
        "state": "IA",
        "license_type": "state_license",
        "license_number": "55380",
        "status": "active",
        "issued_at": "2025-09-29",
        "source": "state_regulator",
        "source_url": "https://idob.iowa.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ia"
      },
      {
        "state": "ME",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/ohio/columbus/amber-lee",
        "verified_at": "2026-10-10",
        "confidence": "lender_reported"
      },
      {
        "state": "MN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/ohio/columbus/amber-lee",
        "verified_at": "2026-10-10",
        "confidence": "lender_reported"
      },
      {
        "state": "MO",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search",
        "verified_at": "2026-10-19",
        "confidence": "confirmed",
        "regulator": "mo"
      },
      {
        "state": "NC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/ohio/columbus/amber-lee",
        "verified_at": "2026-10-10",
        "confidence": "lender_reported"
      },
      {
        "state": "OH",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/ohio/columbus/amber-lee",
        "verified_at": "2026-10-10",
        "confidence": "lender_reported"
      },
      {
        "state": "SC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/ohio/columbus/amber-lee",
        "verified_at": "2026-10-10",
        "confidence": "lender_reported"
      },
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "937408",
        "status": "active",
        "issued_at": "2026-04-15",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      }
    ],
    "specialties": [
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.6,
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/ohio/columbus/amber-lee",
        "verified_at": "2026-10-21"
      }
    ],
    "lender_offers": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "heloc",
        "label": "HELOC",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "non-qm",
        "label": "Non-QM loan",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "vacation-home",
        "label": "Vacation home",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      }
    ],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "other",
        "value": "enjoys helping clients who are not sure where to start",
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/ohio/columbus/amber-lee",
        "verified_at": "2026-10-10"
      }
    ],
    "last_verified_at": "2026-10-21",
    "updated_at": "2026-10-21 14:57:59.133113+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/amber-lee-937408#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/ohio/columbus/amber-lee",
      "verified_at": "2026-10-10"
    },
    "earliest_license_record": {
      "date": "2025-09-29",
      "state": "IA"
    },
    "licensed_since": {
      "year": 2025,
      "state": "IA"
    },
    "federal_registration": null
  }
}