Chris Kirkpatrick
VP of Lending at Lower · Columbus, OH
NMLS ID 895044 (opens in a new tab) · verify at NMLS Consumer Access
Chris Kirkpatrick (NMLS 895044) is VP of Lending at Lower, based in Columbus, OH. Licensed in 2 states confirmed with state regulators: Florida and Texas. Also lists Arizona, California, Illinois, Kansas, North Carolina, Ohio, South Carolina, Tennessee and 2 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: March 14, 2018 (Florida), per state regulator.
Last verified . Sources: Lower (lower.com), Florida state regulator, Texas state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: March 14, 2018 (Florida), per state regulator
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 12 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 Chris'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, Arizona, California, Illinois, Kansas, North Carolina, Ohio, South Carolina, Tennessee, Texas, Virginia, Wisconsin
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO51577, first effective 2018-03-14), TX (opens in a new tab), verified 2026-10-15.
Lender-reported: AZ, CA, IL, KS, NC, OH, SC, TN, VA, WI are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Lower NMLS 1124061
Current · Columbus, OH · 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 says they build their work on straightforward answers, constant communication, and finding mortgage solutions that fit each client's goals. Many clients return for repeat transactions.
Our summary of the lender page. Verified 2026-10-10.
- Also
- Clients have returned for repeat transactions years later
- 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: Chris Kirkpatrick (NMLS 895044), Lower. LenDb.ai, https://lendb.ai/lo/christopher-kirkpatrick-895044, last verified 2026-10-15.
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