---
canonical_url: https://lendb.ai/lo/gavin-petrea-1845126
json_url: https://lendb.ai/lo/gavin-petrea-1845126.json
nmls_id: 1845126
last_verified: 2026-10-10
---

# Gavin Petrea

Branch Manager at Lower, Glen Carbon, IL. NMLS ID 1845126 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1845126)).

**Summary:** Gavin Petrea (NMLS 1845126) is Branch Manager at Lower, based in Glen Carbon, IL. Lists Illinois and Missouri on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. Lower also offers FHA loan, HELOC, Real estate investor, Jumbo loan and Non-QM loan and 4 more (a lender program, not confirmed as their own focus). Earliest state license record: April 21, 2022 (Florida), per state regulator. States 5 years of experience. Last verified 2026-10-10.

## At a glance

- Earliest state license record: April 21, 2022 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 5 (source: https://www.lower.com/loan-officers/illinois/glen-carbon/gavin-petrea, verified 2026-10-10)
- Licensed in: Illinois (IL, lender_reported), Missouri (MO, 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)

- **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.50, verified 2026-10-10. Source: https://www.lower.com/loan-officers/illinois/glen-carbon/gavin-petrea

### 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
- **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

Mortgage professional in southern Illinois with 5+ years in the industry, passionate about helping first-time homebuyers with personalized service.

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

## Facts from the lender page and intro

- years_experience: 5. Source: https://www.lower.com/loan-officers/illinois/glen-carbon/gavin-petrea, verified 2026-10-10.
- service_area: southern Illinois. Source: https://www.lower.com/loan-officers/illinois/glen-carbon/gavin-petrea, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO106377 | expired | confirmed | 2022-04-21 | state_regulator | 2026-10-15 |
| IL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| MO | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Glen Carbon, IL. Source: https://www.lower.com/loan-officers/illinois/glen-carbon/gavin-petrea, 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/1845126

## Contact

- linkedin_url: https://www.linkedin.com/in/gavin-petrea-265a164b/ (source: lender_site, verified 2026-10-10)
- View profile at Lower: https://www.lower.com/loan-officers/illinois/glen-carbon/gavin-petrea
- Office phone and Email on file: shown at https://lendb.ai/lo/gavin-petrea-1845126#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1845126
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.lower.com/loan-officers/illinois/glen-carbon/gavin-petrea
- lender_site (lender programs): https://www.lower.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Gavin Petrea (NMLS 1845126), Lower. LenDb.ai, https://lendb.ai/lo/gavin-petrea-1845126, last verified 2026-10-10.

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