Jose Duarte
Loan Officer at Lower · Columbus, OH
NMLS ID 2809712 (opens in a new tab) · verify at NMLS Consumer Access
Jose Duarte (NMLS 2809712) is Loan Officer at Lower, based in Columbus, OH. Licensed in Florida, confirmed with the state regulator (license LO145466). Also lists Alabama, Arizona, Georgia, Kansas, Missouri, Mississippi, North Carolina, New Jersey and 3 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: HELOC. Licensed since 2026 (per Florida records).
Last verified . Sources: Lower (lower.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Licensed since 2026 (per Florida records)
- 12 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Where we saw these: lower.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
Florida, Alabama, Arizona, Georgia, Kansas, Missouri, Mississippi, North Carolina, New Jersey, Ohio, South Carolina, Texas
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO145466, since 2026), verified 2026-10-09.
Lender-reported: AL, AZ, GA, KS, MO, MS, NC, NJ, OH, SC, TX are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Lower NMLS 1124061
Current · Columbus, OH · 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
Jose Duarte focuses on helping homeowners access home equity and consolidate high-interest debt through HELOCs and home equity loans.
Our summary of the lender page. Verified 2026-10-10.
Sources
| Name and employer | lender 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 states | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Specialties | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Summary | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Contact | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Photo | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Jose Duarte (NMLS 2809712), Lower. LenDb.ai, https://lendb.ai/lo/jose-duarte-2809712, last verified 2026-10-10.
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