Chris Berra
Branch Manager, VP at Lower · El Paso, TX
NMLS ID 1109648 (opens in a new tab) · verify at NMLS Consumer Access
Chris Berra (NMLS 1109648) is Branch Manager, VP at Lower, based in El Paso, TX. Licensed in Florida, confirmed with the state regulator (license LO145308). Also lists Alabama, California, Georgia, Nevada and Tennessee on the lender page (not yet checked with the state regulator). Earliest state license record: February 25, 2026 (Florida), per state regulator.
Last verified . Sources: Lower (lower.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: February 25, 2026 (Florida), per state regulator
- 6 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
None listed on the lender page yet.
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
Florida, Alabama, California, Georgia, Nevada, Tennessee
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO145308, first effective 2026-02-25), verified 2026-10-09.
Lender-reported: AL, CA, GA, NV, TN are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Lower NMLS 1124061
Current · El Paso, TX · 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
Chris is a Senior Mortgage Loan Officer serving El Paso, Texas and nearby communities, with a relationship-focused approach to home financing.
Our summary of the lender page. 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 · real.flofr.com (opens in a new tab) | verified 2026-10-09 |
| Licensed states | 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 |
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Cite as: Chris Berra (NMLS 1109648), Lower. LenDb.ai, https://lendb.ai/lo/christopher-berra-1109648, last verified 2026-10-10.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.