--- canonical_url: https://lendb.ai/lo/joshua-mick-397687 json_url: https://lendb.ai/lo/joshua-mick-397687.json nmls_id: 397687 last_verified: 2026-10-15 --- # Josh Mick Divisional, EVP at Lower, Bonita Springs, FL. NMLS ID 397687 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/397687)). **Summary:** Josh Mick (NMLS 397687) is Divisional, EVP at Lower, based in Bonita Springs, FL. Licensed in 3 states confirmed with state regulators: Florida, Colorado and Texas. Also lists Arizona, Georgia, Illinois, Maine, Michigan, North Carolina, New Hampshire, Virginia and 1 more on the lender page (not yet checked with the state regulator). Lower also offers FHA loan, First-time buyer, HELOC, Real estate investor and Jumbo loan and 5 more (a lender program, not confirmed as their own focus). Earliest state license record: May 13, 2014 (Florida), per state regulator. Last verified 2026-10-15. ## At a glance - Earliest state license record: May 13, 2014 (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), Colorado (CO, confirmed), Arizona (AZ, lender_reported), Georgia (GA, lender_reported), Illinois (IL, lender_reported), Maine (ME, lender_reported), Michigan (MI, lender_reported), North Carolina (NC, lender_reported), New Hampshire (NH, lender_reported), Texas (TX, confirmed), Virginia (VA, lender_reported), Wisconsin (WI, 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) - None on file yet. ### 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 - **Real estate investor** (`investor`): 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 - **Vacation home** (`vacation-home`): verified 2026-10-10. Source: https://www.lower.com ## About Josh frames mortgage work as a people-first business, drawing on years as a financial professional. They previously served as a Senior Loan Officer on a top-producing team and focus on honest, timely communication. Source: LenDb summary of the lender page, verified 2026-10-10. ## Video intro available Josh has a short recorded video intro on Lower's site. Watch on Lower's site: https://www.lower.com/loan-officers/florida/bonita-springs/josh-mick The recording is hosted by the lender; LenDb does not copy or transcribe it. Verified 2026-10-10. ## Facts from the lender page and intro - role: former Senior Loan Officer on a top-producing team. Source: https://www.lower.com/loan-officers/florida/bonita-springs/josh-mick, verified 2026-10-10. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO24881 | active | confirmed | 2014-05-13 | state_regulator | 2026-10-15 | | CO | state_license | 100514334 | active | confirmed | 2019-05-24 | state_regulator | 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 | | IL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | ME | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MI | 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 | | NH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | TX | state_license | n/a | active | confirmed | 2026-01-29 | state_regulator | 2026-10-13 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | WI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | ## Employment history - ? to present: Lower (NMLS 1124061), Bonita Springs, FL. Source: https://www.lower.com/loan-officers/florida/bonita-springs/josh-mick, 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/397687 ## Contact - linkedin_url: https://www.linkedin.com/in/josh-mick-55398530 (source: lender_site, verified 2026-10-10) - View profile at Lower: https://www.lower.com/loan-officers/florida/bonita-springs/josh-mick - Email on file: shown at https://lendb.ai/lo/joshua-mick-397687#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/397687 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=235184&contact=455163 - lender_site: https://www.lower.com/loan-officers/florida/bonita-springs/josh-mick - state_regulator: https://www.sml.texas.gov/ - lender_site (lender programs): https://www.lower.com - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Josh Mick (NMLS 397687), Lower. LenDb.ai, https://lendb.ai/lo/joshua-mick-397687, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._