---
canonical_url: https://lendb.ai/lo/jonathan-wood-479214
json_url: https://lendb.ai/lo/jonathan-wood-479214.json
nmls_id: 479214
last_verified: 2026-10-10
---

# Jonathan Wood

Branch Manager, VP at Lower, Emerald Isle, NC. NMLS ID 479214 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/479214)).

**Summary:** Jonathan Wood (NMLS 479214) is Branch Manager, VP at Lower, based in Emerald Isle, NC. Lists North Carolina on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Real estate investor and Vacation home. Lower also offers FHA loan, First-time buyer, HELOC, Jumbo loan and Non-QM loan and 3 more (a lender program, not confirmed as their own focus). States 25 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): 25 (source: https://www.lower.com/loan-officers/north-carolina/emerald-isle/jonathan-wood, verified 2026-10-10)
- Licensed in: North Carolina (NC, 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)

- **Real estate investor** (`investor`): from their lender profile page, confidence 0.50, verified 2026-10-10. Source: https://www.lower.com/loan-officers/north-carolina/emerald-isle/jonathan-wood
- **Vacation home** (`vacation-home`): from their lender profile page, confidence 0.50, verified 2026-10-10. Source: https://www.lower.com/loan-officers/north-carolina/emerald-isle/jonathan-wood

### 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
- **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

## About

Jonathan Wood has been in mortgage lending since 1999 and has helped more than 3,500 families. Their primary focus is coastal lending in North Carolina, including condos and new construction.

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

## Facts from the lender page and intro

- years_experience: 25. Source: https://www.lower.com/loan-officers/north-carolina/emerald-isle/jonathan-wood, verified 2026-10-10.
- other: helped more than 3,500 families. Source: https://www.lower.com/loan-officers/north-carolina/emerald-isle/jonathan-wood, verified 2026-10-10.
- community: Member of Carteret County Association of REALTORS and Carteret County Chamber of Commerce. Source: https://www.lower.com/loan-officers/north-carolina/emerald-isle/jonathan-wood, verified 2026-10-10.
- community: Board member for the Emerald Isle Scholarship Fishing Tournament. Source: https://www.lower.com/loan-officers/north-carolina/emerald-isle/jonathan-wood, verified 2026-10-10.

## Licenses

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

## Employment history

- ? to present: Lower (NMLS 1124061), Emerald Isle, NC. Source: https://www.lower.com/loan-officers/north-carolina/emerald-isle/jonathan-wood, 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/479214

## Contact

- linkedin_url: https://www.linkedin.com/in/jon-wood-888547a1/ (source: lender_site, verified 2026-10-10)
- View profile at Lower: https://www.lower.com/loan-officers/north-carolina/emerald-isle/jonathan-wood
- Office phone and Email on file: shown at https://lendb.ai/lo/jonathan-wood-479214#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/479214
- lender_site: https://www.lower.com/loan-officers/north-carolina/emerald-isle/jonathan-wood
- lender_site (lender programs): https://www.lower.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Jonathan Wood (NMLS 479214), Lower. LenDb.ai, https://lendb.ai/lo/jonathan-wood-479214, last verified 2026-10-10.

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