Chelsea Winstead
VP of Lending at Lower · Columbia, MD
NMLS ID 2674299 (opens in a new tab) · verify at NMLS Consumer Access
Chelsea Winstead (NMLS 2674299) is VP of Lending at Lower, based in Columbia, MD. Licensed in 3 states confirmed with state regulators: Florida, Louisiana and Texas. Also lists Alabama, Arizona, California, District of Columbia, Georgia, Illinois, Indiana, Maryland and 8 more 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). Earliest state license record: February 20, 2025 (Florida), per state regulator.
Last verified . Sources: Lower (lower.com), Florida state regulator, Louisiana state regulator, Texas state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: February 20, 2025 (Florida), per state regulator
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 19 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Focus
No focus listed on their lender page yet.
Their lender offers
FHA loan, First-time buyer, HELOC, Real estate investor, Jumbo loan, Non-QM loan, Renovation loan (203k / HomeStyle), USDA loan, VA loan and Vacation home. Programs Lower offers (verified 2026-10-10). Lender-level: not confirmed as Chelsea's own focus, so ask.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
Florida, Alabama, Arizona, California, District of Columbia, Georgia, Illinois, Indiana, Louisiana, Maryland, Michigan, Montana, North Carolina, Oklahoma, Pennsylvania, Tennessee, Texas, Virginia, Washington
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO135613, first effective 2025-02-20), LA (opens in a new tab), TX (opens in a new tab), verified 2026-10-15.
Lender-reported: AL, AZ, CA, DC, GA, IL, IN, MD, MI, MT, NC, OK, PA, TN, VA, WA are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Lower NMLS 1124061
Current · Columbia, MD · seen on lender site 2026-10-10
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Chelsea describes themselves as an educator first, helping buyers understand credit, down payments and loan options. Previously an Air Force officer and later a business owner.
Our summary of the lender page. Verified 2026-10-10.
- Also
- Shares educational content online with thousands of home buyers
- Source (opens in a new tab), verified 2026-10-10
Sources
| Name and employer | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Licenses (regulator) | state regulator · sml.texas.gov (opens in a new tab) | verified 2026-10-13 |
| Licensed states | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Lender programs | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Summary | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Contact | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Photo | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Chelsea Winstead (NMLS 2674299), Lower. LenDb.ai, https://lendb.ai/lo/chelsea-winstead-2674299, last verified 2026-10-15.
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