---
canonical_url: https://lendb.ai/lo/jose-duarte-2809712
json_url: https://lendb.ai/lo/jose-duarte-2809712.json
nmls_id: 2809712
last_verified: 2026-10-10
---

# Jose Duarte

Loan Officer at Lower, Columbus, OH. NMLS ID 2809712 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2809712)).

**Summary:** 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. Earliest state license record: March 2, 2026 (Florida), per state regulator. Last verified 2026-10-10.

## At a glance

- Earliest state license record: March 2, 2026 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), Arizona (AZ, lender_reported), Georgia (GA, lender_reported), Kansas (KS, lender_reported), Missouri (MO, lender_reported), Mississippi (MS, lender_reported), North Carolina (NC, lender_reported), New Jersey (NJ, lender_reported), Ohio (OH, lender_reported), South Carolina (SC, 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

- **HELOC** (`heloc`): lender page, confidence 0.90, verified 2026-10-10. Source: https://www.lower.com/loan-officers/ohio/columbus/jose-duarte

## About

Jose Duarte focuses on helping homeowners access home equity and consolidate high-interest debt through HELOCs and home equity loans.

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

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO145466 | active | confirmed | 2026-03-02 | state_regulator | 2026-10-09 |
| AL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| AZ | 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 |
| KS | 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 |
| MS | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| OH | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| SC | 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), Columbus, OH. Source: https://www.lower.com/loan-officers/ohio/columbus/jose-duarte, 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/2809712

## Contact

- View profile at Lower: https://www.lower.com/loan-officers/ohio/columbus/jose-duarte
- Email on file: shown at https://lendb.ai/lo/jose-duarte-2809712#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2809712
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.lower.com/loan-officers/ohio/columbus/jose-duarte

Cite as: Jose Duarte (NMLS 2809712), Lower. LenDb.ai, https://lendb.ai/lo/jose-duarte-2809712, last verified 2026-10-10.

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