---
canonical_url: https://lendb.ai/lo/amelia-watts-914299
json_url: https://lendb.ai/lo/amelia-watts-914299.json
nmls_id: 914299
last_verified: 2026-10-10
---

# Amelia Watts

Sr. Loan Officer at Lower, Antioch, TN. NMLS ID 914299 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/914299)).

**Summary:** Amelia Watts (NMLS 914299) is Sr. Loan Officer at Lower, based in Antioch, TN. Lists Mississippi and Tennessee on the lender page (not yet checked with the state regulator). Lower also offers FHA loan, First-time buyer, HELOC, Real estate investor and Jumbo loan and 5 more (a lender program, not confirmed as their own focus). Last verified 2026-10-10.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Mississippi (MS, lender_reported), Tennessee (TN, lender_reported)
- 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
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

### 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
- **Real estate investor** (`investor`): 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

Amelia has been lending since 2012 and is known for tailored mortgage solutions, with volunteer work for local nonprofits including Habitat for Humanity. Licensed in TN and MS.

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

## Facts from the lender page and intro

- years_experience: since 2012. Source: https://www.lower.com/loan-officers/tennessee/nashville/amelia-watts, verified 2026-10-10.
- community: Volunteers monthly with local non-profit organizations and serves on the Family Selection Committee for Habitat for Humanity. Source: https://www.lower.com/loan-officers/tennessee/nashville/amelia-watts, verified 2026-10-10.
- credential: Member of National Association of Real Estate Brokers. Source: https://www.lower.com/loan-officers/tennessee/nashville/amelia-watts, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| MS | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Antioch, TN. Source: https://www.lower.com/loan-officers/tennessee/nashville/amelia-watts, 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/914299

## Contact

- linkedin_url: https://www.linkedin.com/in/ameliawatts (source: lender_site, verified 2026-10-10)
- View profile at Lower: https://www.lower.com/loan-officers/tennessee/nashville/amelia-watts
- Email on file: shown at https://lendb.ai/lo/amelia-watts-914299#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/914299
- lender_site: https://www.lower.com/loan-officers/tennessee/nashville/amelia-watts
- lender_site (lender programs): https://www.lower.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Amelia Watts (NMLS 914299), Lower. LenDb.ai, https://lendb.ai/lo/amelia-watts-914299, last verified 2026-10-10.

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