---
canonical_url: https://lendb.ai/lo/joseph-harris-326764
json_url: https://lendb.ai/lo/joseph-harris-326764.json
nmls_id: 326764
last_verified: 2026-10-10
---

# Joe Harris

VP of Lending at Lower, Columbia, MD. NMLS ID 326764 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/326764)).

**Summary:** Joe Harris (NMLS 326764) is VP of Lending at Lower, based in Columbia, MD. Licensed in Florida, confirmed with the state regulator (license LO58373). Also lists Massachusetts, Maryland, North Carolina, Texas and Virginia on the lender page (not yet checked with the state regulator). Earliest state license record: December 26, 2018 (Florida), per state regulator. Last verified 2026-10-10.

## At a glance

- Earliest state license record: December 26, 2018 (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), Massachusetts (MA, lender_reported), Maryland (MD, lender_reported), North Carolina (NC, lender_reported), Texas (TX, lender_reported), Virginia (VA, 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

Describes themselves as a trusted loan officer serving Virginia Beach, Virginia.

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

## Facts from the lender page and intro

- service_area: Virginia Beach, Virginia. Source: https://www.lower.com/loan-officers/virginia/virginia-beach/joe-harris, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO58373 | active | confirmed | 2018-12-26 | state_regulator | 2026-10-09 |
| MA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| MD | 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 |
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Columbia, MD. Source: https://www.lower.com/loan-officers/virginia/virginia-beach/joe-harris, 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/326764

## Contact

- linkedin_url: https://www.linkedin.com/in/joe-harris-85619014/ (source: lender_site, verified 2026-10-10)
- View profile at Lower: https://www.lower.com/loan-officers/virginia/virginia-beach/joe-harris
- Email on file: shown at https://lendb.ai/lo/joseph-harris-326764#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/326764
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.lower.com/loan-officers/virginia/virginia-beach/joe-harris

Cite as: Joe Harris (NMLS 326764), Lower. LenDb.ai, https://lendb.ai/lo/joseph-harris-326764, last verified 2026-10-10.

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