---
canonical_url: https://lendb.ai/lo/kelly-jennings-2003818
json_url: https://lendb.ai/lo/kelly-jennings-2003818.json
nmls_id: 2003818
last_verified: 2026-10-10
---

# Kelly Jennings

Sr. Loan Officer at Lower, Wilmington, NC. NMLS ID 2003818 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2003818)).

**Summary:** Kelly Jennings (NMLS 2003818) is Sr. Loan Officer at Lower, based in Wilmington, NC. Lists North Carolina and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: VA loan and Down payment assistance. Last verified 2026-10-10.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: North Carolina (NC, 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

- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-10. Source: https://www.lower.com/loan-officers/north-carolina/wilmington/kelly-jennings
- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.85, verified 2026-10-10. Source: https://www.lower.com/loan-officers/north-carolina/wilmington/kelly-jennings

## About

Left law enforcement after 15 years to become a loan officer. Specializes in VA loans for active duty members and down payment assistance loans for first-time buyers, serving NC and Virginia.

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

## Facts from the lender page and intro

- service_area: All cities in North Carolina and Virginia. Source: https://www.lower.com/loan-officers/north-carolina/wilmington/kelly-jennings, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| NC | 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), Wilmington, NC. Source: https://www.lower.com/loan-officers/north-carolina/wilmington/kelly-jennings, 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/2003818

## Contact

- linkedin_url: https://www.linkedin.com/in/kelly-jennings-9903bb129/ (source: lender_site, verified 2026-10-10)
- View profile at Lower: https://www.lower.com/loan-officers/north-carolina/wilmington/kelly-jennings
- Email on file: shown at https://lendb.ai/lo/kelly-jennings-2003818#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2003818
- lender_site: https://www.lower.com/loan-officers/north-carolina/wilmington/kelly-jennings

Cite as: Kelly Jennings (NMLS 2003818), Lower. LenDb.ai, https://lendb.ai/lo/kelly-jennings-2003818, last verified 2026-10-10.

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