---
canonical_url: https://lendb.ai/lo/james-steinhauer-1641365
json_url: https://lendb.ai/lo/james-steinhauer-1641365.json
nmls_id: 1641365
last_verified: 2026-10-15
---

# Nick Steinhauer

Branch Manager at Lower, Delaware, OH. NMLS ID 1641365 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1641365)).

**Summary:** Nick Steinhauer (NMLS 1641365) is Branch Manager at Lower, based in Delaware, OH. Licensed in 2 states confirmed with state regulators: Florida and Texas. Also lists Indiana, Kentucky, Ohio and Washington 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: May 3, 2023 (Florida), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: May 3, 2023 (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), Indiana (IN, lender_reported), Kentucky (KY, lender_reported), Ohio (OH, lender_reported), Texas (TX, confirmed), Washington (WA, 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)

- None on file yet.

### 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
- **First-time buyer** (`first-time-buyer`): 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

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO119570 | active | confirmed | 2023-05-03 | state_regulator | 2026-10-15 |
| IN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| KY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| OH | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| TX | state_license | n/a | active | confirmed | 2023-05-07 | state_regulator | 2026-10-13 |
| WA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Delaware, OH. Source: https://www.lower.com/loan-officers/ohio/delaware/nick-steinhauer, 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/1641365

## Contact

- linkedin_url: https://www.linkedin.com/in/nick-steinhauer-846b125/ (source: lender_site, verified 2026-10-10)
- View profile at Lower: https://www.lower.com/loan-officers/ohio/delaware/nick-steinhauer
- Office phone and Email on file: shown at https://lendb.ai/lo/james-steinhauer-1641365#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1641365
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.lower.com/loan-officers/ohio/delaware/nick-steinhauer
- state_regulator: https://www.sml.texas.gov/
- lender_site (lender programs): https://www.lower.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Nick Steinhauer (NMLS 1641365), Lower. LenDb.ai, https://lendb.ai/lo/james-steinhauer-1641365, last verified 2026-10-15.

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