---
canonical_url: https://lendb.ai/lo/christopher-berra-1109648
json_url: https://lendb.ai/lo/christopher-berra-1109648.json
nmls_id: 1109648
last_verified: 2026-10-10
---

# Chris Berra

Branch Manager, VP at Lower, El Paso, TX. NMLS ID 1109648 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1109648)).

**Summary:** 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 2026-10-10.

## At a glance

- Earliest state license record: February 25, 2026 (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), California (CA, lender_reported), Georgia (GA, lender_reported), Nevada (NV, lender_reported), Tennessee (TN, lender_reported)
- 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


## About

Chris is a Senior Mortgage Loan Officer serving El Paso, Texas and nearby communities, with a relationship-focused approach to home financing.

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

## Facts from the lender page and intro

- role: Senior Mortgage Loan Officer. Source: https://www.lower.com/loan-officers/texas/elpaso/chris-berra, verified 2026-10-10.
- service_area: El Paso, Texas and surrounding communities. Source: https://www.lower.com/loan-officers/texas/elpaso/chris-berra, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO145308 | active | confirmed | 2026-02-25 | state_regulator | 2026-10-09 |
| AL | 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 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| NV | 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), El Paso, TX. Source: https://www.lower.com/loan-officers/texas/elpaso/chris-berra, 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/1109648

## Contact

- View profile at Lower: https://www.lower.com/loan-officers/texas/elpaso/chris-berra
- Email on file: shown at https://lendb.ai/lo/christopher-berra-1109648#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1109648
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.lower.com/loan-officers/texas/elpaso/chris-berra

Cite as: Chris Berra (NMLS 1109648), Lower. LenDb.ai, https://lendb.ai/lo/christopher-berra-1109648, last verified 2026-10-10.

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