Kevin Murphy
Branch Manager, VP at Lower · Orlando, FL
NMLS ID 1006712 (opens in a new tab) · verify at NMLS Consumer Access
Kevin Murphy (NMLS 1006712) is Branch Manager, VP at Lower, based in Orlando, FL. Licensed in 2 states confirmed with state regulators: Florida and Texas. Also lists Georgia, North Carolina and South Carolina 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: December 18, 2024 (Florida), per state regulator. States 10 years of experience.
Last verified . Sources: Lower (lower.com), Florida state regulator, Texas state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: December 18, 2024 (Florida), per state regulator
- 10 years experience (stated)
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 5 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Focus
No focus listed on their lender page yet.
Their lender offers
FHA loan, First-time buyer, 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 Kevin'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, Georgia, North Carolina, South Carolina, Texas
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO134097, first effective 2024-12-18), TX (opens in a new tab), verified 2026-10-15.
Lender-reported: GA, NC, SC are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Lower NMLS 1124061
Current · Orlando, FL · 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
Kevin has over a decade in the mortgage industry, including a 12-year tenure at Waterstone Mortgage before joining Lower in 2024. They have helped more than 1,000 families finance their homes.
Our summary of the lender page. Verified 2026-10-10.
- Education
- Bachelor of Science in Finance, University of Florida
- Source (opens in a new tab), verified 2026-10-10
- Also
- Has helped more than 1,000 families finance homes
- Source (opens in a new tab), verified 2026-10-10
- Community
- Gives back through charitable organizations
- Source (opens in a new tab), 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 · sml.texas.gov (opens in a new tab) | verified 2026-10-13 |
| Licensed states | 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: Kevin Murphy (NMLS 1006712), Lower. LenDb.ai, https://lendb.ai/lo/kevin-murphy-1006712, last verified 2026-10-15.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.