---
canonical_url: https://lendb.ai/lo/james-bowers-2168420
json_url: https://lendb.ai/lo/james-bowers-2168420.json
nmls_id: 2168420
last_verified: 2026-10-13
---

# James Bowers

Consumer Direct Loan Officer at Union Home Mortgage, Houston, TX. NMLS ID 2168420 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2168420)).

**Summary:** James Bowers (NMLS 2168420) is Consumer Direct Loan Officer at Union Home Mortgage, based in Houston, TX. Licensed in 2 states confirmed with state regulators: Florida and Texas. Also lists Arizona, Georgia, Illinois, Kentucky, Michigan, New Mexico, Ohio, Pennsylvania and 1 more on the lender page (not yet checked with the state regulator). Earliest state license record: September 29, 2021 (Texas), per state regulator. Last verified 2026-10-13.

## At a glance

- Earliest state license record: September 29, 2021 (Texas), 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), Arizona (AZ, lender_reported), Georgia (GA, lender_reported), Illinois (IL, lender_reported), Kentucky (KY, lender_reported), Michigan (MI, lender_reported), New Mexico (NM, lender_reported), Ohio (OH, lender_reported), Pennsylvania (PA, lender_reported), Tennessee (TN, lender_reported), Texas (TX, confirmed)
- 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


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO147916 | active | confirmed | 2026-05-19 | state_regulator | 2026-10-09 |
| AZ | state_license | LO-2016844 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| GA | state_license | 2168420 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| IL | state_license | 031.0094769 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| KY | state_license | MC930606 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MI | state_license | 2168420 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NM | state_license | 2168420 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OH | state_license | MLO-OH.2168420.001 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| PA | state_license | 121233 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | state_license | 2168420 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TX | state_license | n/a | active | confirmed | 2021-09-29 | state_regulator | 2026-10-13 |

## Employment history

- ? to present: Union Home Mortgage (NMLS 2229), Houston, TX. Source: https://www.uhm.com/loan-officers/james-bowers/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2168420

## Contact

- View profile at Union Home Mortgage: https://www.uhm.com/loan-officers/james-bowers/
- Office phone and Email on file: shown at https://lendb.ai/lo/james-bowers-2168420#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2168420
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.uhm.com/loan-officers/james-bowers/
- state_regulator: https://www.sml.texas.gov/

Cite as: James Bowers (NMLS 2168420), Union Home Mortgage. LenDb.ai, https://lendb.ai/lo/james-bowers-2168420, last verified 2026-10-13.

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