Jonathan Howard, photo from Lower

Jonathan Howard

Branch Manager at Lower · Tampa, FL

NMLS ID 1568511 (opens in a new tab) · verify at NMLS Consumer Access

Jonathan Howard (NMLS 1568511) is Branch Manager at Lower, based in Tampa, FL. Licensed in Florida, confirmed with the state regulator (license LO38112). Also lists Alabama, Colorado, Georgia, Iowa, Illinois, Minnesota, Missouri and Texas on the lender page (not yet checked with the state regulator). Licensed since 2017 (per Florida records).

Last verified . Sources: Lower (lower.com), Florida state regulator and NMLS Consumer Access (license status, check live).

Specialties

None listed on the lender page yet.

    Evidence levels, strongest first: production data, lender page, self-reported.

    Languages

    Not listed

    Licensed states

    AKMEVTNHWAIDMTNDMNILWIMINYMARIORNVWYSDIAINOHPANJCTCAUTCONEMOKYWVVAMDDEAZNMKSARTNNCSCDCOKLAMSALGAHITXFL

    Florida, Alabama, Colorado, Georgia, Iowa, Illinois, Minnesota, Missouri, Texas

    ✓ Confirmed with the state regulator: FL (opens in a new tab) (LO38112, since 2017), verified 2026-10-09.

    Lender-reported: AL, CO, GA, IA, IL, MN, MO, TX are listed on the lender page, not yet checked with the state regulator.

    Contact

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    View profile at Lower (opens in a new tab)

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    Employment history

    1. Lower NMLS 1124061

      Current · Tampa, FL · seen on lender site 2026-10-10

    Disciplinary history

    Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).

    About

    Jonathan Howard previously spent ten years as a financial advisor and uses that background to show buyers how a mortgage fits their overall finances. They have lived in Tampa for more than 20 years.

    Our summary of the lender page. Verified 2026-10-10.

    Also
    Worked as a financial advisor for ten years before mortgage lending
    Source (opens in a new tab), verified 2026-10-10
    Serves
    Tampa, FL (has lived in Tampa more than 20 years)
    Source (opens in a new tab), verified 2026-10-10

    Sources

    Name and employerlender site · lower.com (opens in a new tab)verified 2026-10-10
    Licenses (regulator)state regulator · real.flofr.com (opens in a new tab)verified 2026-10-09
    Licensed stateslender site · lower.com (opens in a new tab)verified 2026-10-10
    Summarylender site · lower.com (opens in a new tab)verified 2026-10-10
    Contactlender site · lower.com (opens in a new tab)verified 2026-10-10
    Photolender site · lower.com (opens in a new tab)verified 2026-10-10
    License statusNMLS Consumer Access (opens in a new tab)check live

    Also available as Markdown, JSON, or via the API.

    Cite as: Jonathan Howard (NMLS 1568511), Lower. LenDb.ai, https://lendb.ai/lo/jonathan-howard-1568511, last verified 2026-10-10.

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