--- canonical_url: https://lendb.ai/lo/amber-lee-937408 json_url: https://lendb.ai/lo/amber-lee-937408.json nmls_id: 937408 last_verified: 2026-10-21 --- # Amber Lee Loan Officer at Lower, Columbus, OH. NMLS ID 937408 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/937408)). 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. **Summary:** Amber Lee (NMLS 937408) is Loan Officer at Lower, based in Columbus, OH. Licensed in 7 states confirmed with state regulators: Florida, Connecticut, Pennsylvania, Arkansas, Iowa, Missouri and Wisconsin. Also lists Arizona, Maine, Minnesota, North Carolina, Ohio and South Carolina on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Real estate investor. Lower also offers FHA loan, First-time buyer, HELOC, Jumbo loan and Non-QM loan and 4 more (a lender program, not confirmed as their own focus). Earliest state license record: September 29, 2025 (Iowa), per state regulator. Last verified 2026-10-21. ## Quick answers ### Is Amber licensed in Ohio? 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. Source: https://www.lower.com/loan-officers/ohio/columbus/amber-lee. ### Does Amber list real estate investor as a focus? Amber's profile lists real estate investor as a focus (from their lender profile page). Source: https://www.lower.com/loan-officers/ohio/columbus/amber-lee. ### What lender does Amber work for, and is it FHA-approved? 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). Source: https://www.lower.com/loan-officers/ohio/columbus/amber-lee. ### How long has Amber been licensed? 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. Source: https://idob.iowa.gov/. ## At a glance - Earliest state license record: September 29, 2025 (Iowa), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Also licensed as (state regulator records, same NMLS ID): Amber M. Lee (AR, CT, FL, IA, MO, PA, as of 2026-10-20) - Licensed in: Florida (FL, confirmed), Connecticut (CT, confirmed), Pennsylvania (PA, confirmed), Arkansas (AR, confirmed), Arizona (AZ, lender_reported), Iowa (IA, confirmed), Maine (ME, lender_reported), Minnesota (MN, lender_reported), Missouri (MO, confirmed), North Carolina (NC, lender_reported), Ohio (OH, lender_reported), South Carolina (SC, lender_reported), Wisconsin (WI, confirmed) - Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot - 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 (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.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - **Real estate investor** (`investor`): from their lender profile page, confidence 0.60, verified 2026-10-21. Source: https://www.lower.com/loan-officers/ohio/columbus/amber-lee ### Their lender offers (lender level: Lower's programs, not confirmed as this person's focus) - **FHA loan** (`fha`): verified 2026-10-10. Source: https://www.lower.com - **First-time buyer** (`first-time-buyer`): verified 2026-10-10. Source: https://www.lower.com - **HELOC** (`heloc`): verified 2026-10-10. Source: https://www.lower.com - **Jumbo loan** (`jumbo`): verified 2026-10-10. Source: https://www.lower.com - **Non-QM loan** (`non-qm`): verified 2026-10-10. Source: https://www.lower.com - **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-10. Source: https://www.lower.com - **USDA loan** (`usda`): verified 2026-10-10. Source: https://www.lower.com - **VA loan** (`va`): verified 2026-10-10. Source: https://www.lower.com - **Vacation home** (`vacation-home`): verified 2026-10-10. Source: https://www.lower.com ## About Amber focuses on purchase financing and also works with real estate investors. They are licensed in 12 states. Source: LenDb summary of the lender page, verified 2026-10-10. ## Facts from the lender page and intro - other: enjoys helping clients who are not sure where to start. Source: https://www.lower.com/loan-officers/ohio/columbus/amber-lee, verified 2026-10-10. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO145776 | active | confirmed | 2026-03-11 | state_regulator | 2026-10-15 | | CT | Connecticut regulator | state_license | LO-937408 | active | confirmed | | state_regulator | 2026-10-15 | | PA | Pennsylvania regulator | state_license | 117422 | active | confirmed | | state_regulator | 2026-10-16 | | AR | Arkansas regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-20 | | AZ | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | IA | Iowa regulator | state_license | 55380 | active | confirmed | 2025-09-29 | state_regulator | 2026-10-20 | | ME | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MN | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MO | Missouri regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-19 | | NC | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | OH | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | SC | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | WI | Wisconsin regulator | state_license | 937408 | active | confirmed | 2026-04-15 | state_regulator | 2026-10-21 | ## Employment history - ? to present: Lower (NMLS 1124061), Columbus, OH. Source: https://www.lower.com/loan-officers/ohio/columbus/amber-lee, verified 2026-10-10. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/937408 ## Contact - View profile at Lower: https://www.lower.com/loan-officers/ohio/columbus/amber-lee - Email on file: shown at https://lendb.ai/lo/amber-lee-937408#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/937408 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut - state_regulator: https://data.pa.gov/d/tyxc-jyug - state_regulator: https://securities.arkansas.gov/loans/nmls/ - lender_site: https://www.lower.com/loan-officers/ohio/columbus/amber-lee - state_regulator: https://idob.iowa.gov/ - state_regulator: https://finance.mo.gov/banks-0/bank-licensee-search - state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/ - lender_site (lender programs): https://www.lower.com - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Amber Lee (NMLS 937408), Lower. LenDb.ai, https://lendb.ai/lo/amber-lee-937408, last verified 2026-10-21. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._