---
canonical_url: https://lendb.ai/lo/john-hultberg-408288
json_url: https://lendb.ai/lo/john-hultberg-408288.json
nmls_id: 408288
last_verified: 2026-10-10
---

# John Hultberg

Sr. Loan Officer at Lower, Downers Grove, IL. NMLS ID 408288 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/408288)).

**Summary:** John Hultberg (NMLS 408288) is Sr. Loan Officer at Lower, based in Downers Grove, IL. Lists Illinois on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: New construction and Construction loan. States 20 years of experience. Last verified 2026-10-10.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 20 (source: https://www.lower.com/loan-officers/illinois/downers-grove/john-hultberg, verified 2026-10-10)
- Licensed in: Illinois (IL, lender_reported)
- 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

- **New construction** (`new-construction`): lender page, confidence 0.80, verified 2026-10-10. Source: https://www.lower.com/loan-officers/illinois/downers-grove/john-hultberg
- **Construction loan** (`construction`): lender page, confidence 0.75, verified 2026-10-10. Source: https://www.lower.com/loan-officers/illinois/downers-grove/john-hultberg

## About

John, a Senior Loan Officer, has over 20 years in mortgage and new construction lending and works with builders and homebuyers on new builds.

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

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.lower.com/loan-officers/illinois/downers-grove/john-hultberg, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| IL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Downers Grove, IL. Source: https://www.lower.com/loan-officers/illinois/downers-grove/john-hultberg, 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/408288

## Contact

- View profile at Lower: https://www.lower.com/loan-officers/illinois/downers-grove/john-hultberg
- Office phone and Email on file: shown at https://lendb.ai/lo/john-hultberg-408288#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/408288
- lender_site: https://www.lower.com/loan-officers/illinois/downers-grove/john-hultberg

Cite as: John Hultberg (NMLS 408288), Lower. LenDb.ai, https://lendb.ai/lo/john-hultberg-408288, last verified 2026-10-10.

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