--- canonical_url: https://lendb.ai/lo/jay-styers-2668136 json_url: https://lendb.ai/lo/jay-styers-2668136.json nmls_id: 2668136 last_verified: 2026-10-15 --- # Jay Styers Executive Loan Officer at Lower, Columbus, OH. NMLS ID 2668136 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2668136)). **Summary:** Jay Styers (NMLS 2668136) is Executive Loan Officer at Lower, based in Columbus, OH. Licensed in 4 states confirmed with state regulators: Florida, Connecticut, Louisiana and Texas. Also lists Arizona, California, Georgia, Kansas, Massachusetts, Missouri, Mississippi, North Carolina and 6 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan, HELOC and VA loan. Lower also offers First-time buyer, Real estate investor, Jumbo loan, Non-QM loan and Renovation loan (203k / HomeStyle) and 2 more (a lender program, not confirmed as their own focus). Earliest state license record: July 15, 2025 (Florida), per state regulator. Last verified 2026-10-15. ## At a glance - Earliest state license record: July 15, 2025 (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), Arizona (AZ, lender_reported), California (CA, lender_reported), Connecticut (CT, confirmed), Georgia (GA, lender_reported), Kansas (KS, lender_reported), Louisiana (LA, confirmed), Massachusetts (MA, lender_reported), Missouri (MO, lender_reported), Mississippi (MS, lender_reported), North Carolina (NC, lender_reported), Ohio (OH, lender_reported), Oregon (OR, lender_reported), Pennsylvania (PA, lender_reported), Rhode Island (RI, lender_reported), Texas (TX, confirmed), Virginia (VA, lender_reported), Wisconsin (WI, 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) - **FHA loan** (`fha`): from their lender profile page, confidence 0.60, verified 2026-10-10. Source: https://www.lower.com/loan-officers/ohio/columbus/jay-styers - **HELOC** (`heloc`): from their lender profile page, confidence 0.60, verified 2026-10-10. Source: https://www.lower.com/loan-officers/ohio/columbus/jay-styers - **VA loan** (`va`): from their lender profile page, confidence 0.60, verified 2026-10-10. Source: https://www.lower.com/loan-officers/ohio/columbus/jay-styers ### Their lender offers (lender level: Lower's programs, not confirmed as this person's focus) - **First-time buyer** (`first-time-buyer`): 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 - **Vacation home** (`vacation-home`): verified 2026-10-10. Source: https://www.lower.com ## About Jay Styers describes themselves as a passionate mortgage professional focused on helping homeowners reach their financial goals, specializing in conventional, VA, FHA and HELOC loans. Source: LenDb summary of the lender page, verified 2026-10-10. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO139623 | active | confirmed | 2025-07-15 | state_regulator | 2026-10-15 | | AZ | 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 | | CT | state_license | LO-2668136 | active | confirmed | | state_regulator | 2026-10-15 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | KS | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | LA | state_license | n/a | active | confirmed | | state_regulator | 2026-10-15 | | MA | 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 | | MS | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | NC | 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 | | OR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | PA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | RI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | TX | state_license | n/a | active | confirmed | 2026-05-19 | state_regulator | 2026-10-13 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | WI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | ## Employment history - ? to present: Lower (NMLS 1124061), Columbus, OH. Source: https://www.lower.com/loan-officers/ohio/columbus/jay-styers, 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/2668136 ## Contact - View profile at Lower: https://www.lower.com/loan-officers/ohio/columbus/jay-styers - Email on file: shown at https://lendb.ai/lo/jay-styers-2668136#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2668136 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip - lender_site: https://www.lower.com/loan-officers/ohio/columbus/jay-styers - state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut - state_regulator: https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/ - 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: Jay Styers (NMLS 2668136), Lower. LenDb.ai, https://lendb.ai/lo/jay-styers-2668136, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._