--- canonical_url: https://lendb.ai/lo/chelsea-winstead-2674299 json_url: https://lendb.ai/lo/chelsea-winstead-2674299.json nmls_id: 2674299 last_verified: 2026-10-15 --- # Chelsea Winstead VP of Lending at Lower, Columbia, MD. NMLS ID 2674299 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2674299)). **Summary:** 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 2026-10-15. ## At a glance - Earliest state license record: February 20, 2025 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), Arizona (AZ, lender_reported), California (CA, lender_reported), District of Columbia (DC, lender_reported), Georgia (GA, lender_reported), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Louisiana (LA, confirmed), Maryland (MD, lender_reported), Michigan (MI, lender_reported), Montana (MT, lender_reported), North Carolina (NC, lender_reported), Oklahoma (OK, lender_reported), Pennsylvania (PA, lender_reported), Tennessee (TN, lender_reported), Texas (TX, confirmed), Virginia (VA, lender_reported), Washington (WA, 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 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. Source: LenDb summary of the lender page, verified 2026-10-10. ## Facts from the lender page and intro - other: Shares educational content online with thousands of home buyers. Source: https://www.lower.com/loan-officers/north-carolina/wilmington/chelsea-winstead, verified 2026-10-10. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO135613 | active | confirmed | 2025-02-20 | state_regulator | 2026-10-15 | | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | DC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | IL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | IN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | LA | state_license | n/a | active | confirmed | | state_regulator | 2026-10-15 | | MD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MT | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | NC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | OK | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | PA | 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 | | TX | state_license | n/a | active | confirmed | 2026-03-19 | state_regulator | 2026-10-13 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | ## Employment history - ? to present: Lower (NMLS 1124061), Columbia, MD. Source: https://www.lower.com/loan-officers/north-carolina/wilmington/chelsea-winstead, 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/2674299 ## Contact - linkedin_url: https://www.linkedin.com/in/chelsea-winstead/ (source: lender_site, verified 2026-10-10) - View profile at Lower: https://www.lower.com/loan-officers/north-carolina/wilmington/chelsea-winstead - Email on file: shown at https://lendb.ai/lo/chelsea-winstead-2674299#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2674299 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip - lender_site: https://www.lower.com/loan-officers/north-carolina/wilmington/chelsea-winstead - state_regulator: https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/ - state_regulator: https://www.sml.texas.gov/ - lender_site (lender programs): https://www.lower.com - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Chelsea Winstead (NMLS 2674299), Lower. LenDb.ai, https://lendb.ai/lo/chelsea-winstead-2674299, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._