Josh Morris
VP of Lending at Lower · Columbus, OH
NMLS ID 1993042 (opens in a new tab) · verify at NMLS Consumer Access
Josh Morris (NMLS 1993042) is VP of Lending at Lower, based in Columbus, OH. Licensed in 2 states confirmed with state regulators: Florida and Connecticut. Also lists California, Georgia, Illinois, Indiana, Kentucky, Maryland, Minnesota, North Carolina and 7 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. Lower also offers FHA loan, HELOC, Real estate investor, Jumbo loan and Non-QM loan and 4 more (a lender program, not confirmed as their own focus). Earliest state license record: August 19, 2020 (Florida), per state regulator.
Last verified . Sources: Lower (lower.com), Florida state regulator, Connecticut state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: August 19, 2020 (Florida), per state regulator
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 17 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Focus
Where we saw these: lower.com (opens in a new tab)
Their lender offers
FHA loan, HELOC, Real estate investor, Jumbo loan, Non-QM loan, Renovation loan (203k / HomeStyle), USDA loan, VA loan and Vacation home. Programs Lower offers (verified 2026-10-10). Lender-level: not confirmed as Josh's own focus, so ask.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
Florida, California, Connecticut, Georgia, Illinois, Indiana, Kentucky, Maryland, Minnesota, North Carolina, New Jersey, Ohio, Pennsylvania, Tennessee, Utah, Virginia, Washington
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO73226, first effective 2020-08-19), CT (opens in a new tab) (LO-1993042), verified 2026-10-15.
Lender-reported: CA, GA, IL, IN, KY, MD, MN, NC, NJ, OH, PA, TN, UT, VA, WA 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
Josh Morris, VP of Lending, says they specialize in assisting first-time home buyers and is licensed in 17 states.
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 · portal.ct.gov (opens in a new tab) | verified 2026-10-15 |
| 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 |
| Lender programs | 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: Josh Morris (NMLS 1993042), Lower. LenDb.ai, https://lendb.ai/lo/joshua-morris-1993042, last verified 2026-10-15.
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