---
canonical_url: https://lendb.ai/lo/jonathan-howard-1568511
json_url: https://lendb.ai/lo/jonathan-howard-1568511.json
nmls_id: 1568511
last_verified: 2026-10-10
---

# Jonathan Howard

Branch Manager at Lower, Tampa, FL. NMLS ID 1568511 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1568511)).

**Summary:** 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 2026-10-10.

## At a glance

- Licensed since 2017 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), Colorado (CO, lender_reported), Georgia (GA, lender_reported), Iowa (IA, lender_reported), Illinois (IL, lender_reported), Minnesota (MN, lender_reported), Missouri (MO, lender_reported), Texas (TX, 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


## 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.

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

## Facts from the lender page and intro

- other: Worked as a financial advisor for ten years before mortgage lending. Source: https://www.lower.com/loan-officers/florida/tampa/jonathan-howard, verified 2026-10-10.
- service_area: Tampa, FL (has lived in Tampa more than 20 years). Source: https://www.lower.com/loan-officers/florida/tampa/jonathan-howard, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO38112 | active | confirmed | 2017-01-10 | state_regulator | 2026-10-09 |
| AL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| CO | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| IA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| IL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| MN | 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 |
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Tampa, FL. Source: https://www.lower.com/loan-officers/florida/tampa/jonathan-howard, 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/1568511

## Contact

- linkedin_url: https://www.linkedin.com/in/jfhoward/ (source: lender_site, verified 2026-10-10)
- View profile at Lower: https://www.lower.com/loan-officers/florida/tampa/jonathan-howard
- Office phone and Email on file: shown at https://lendb.ai/lo/jonathan-howard-1568511#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1568511
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.lower.com/loan-officers/florida/tampa/jonathan-howard

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

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