--- canonical_url: https://lendb.ai/lo/kevin-murphy-1006712 json_url: https://lendb.ai/lo/kevin-murphy-1006712.json nmls_id: 1006712 last_verified: 2026-10-15 --- # Kevin Murphy Branch Manager, VP at Lower, Orlando, FL. NMLS ID 1006712 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1006712)). **Summary:** 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 2026-10-15. ## At a glance - Earliest state license record: December 18, 2024 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 10 (source: https://www.lower.com/loan-officers/florida/orlando/kevin-murphy, verified 2026-10-10) - Licensed in: Florida (FL, confirmed), Georgia (GA, lender_reported), North Carolina (NC, lender_reported), South Carolina (SC, lender_reported), Texas (TX, confirmed) - 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 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. Source: LenDb summary of the lender page, verified 2026-10-10. ## Facts from the lender page and intro - years_experience: 10. Source: https://www.lower.com/loan-officers/florida/orlando/kevin-murphy, verified 2026-10-10. - education: Bachelor of Science in Finance, University of Florida. Source: https://www.lower.com/loan-officers/florida/orlando/kevin-murphy, verified 2026-10-10. - other: Previously 12 years at Waterstone Mortgage. Source: https://www.lower.com/loan-officers/florida/orlando/kevin-murphy, verified 2026-10-10. - other: Has helped more than 1,000 families finance homes. Source: https://www.lower.com/loan-officers/florida/orlando/kevin-murphy, verified 2026-10-10. - community: Gives back through charitable organizations. Source: https://www.lower.com/loan-officers/florida/orlando/kevin-murphy, verified 2026-10-10. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO134097 | active | confirmed | 2024-12-18 | state_regulator | 2026-10-15 | | GA | 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 | | SC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | TX | state_license | n/a | active | confirmed | 2025-06-24 | state_regulator | 2026-10-13 | ## Employment history - ? to present: Lower (NMLS 1124061), Orlando, FL. Source: https://www.lower.com/loan-officers/florida/orlando/kevin-murphy, 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/1006712 ## Contact - linkedin_url: https://www.linkedin.com/in/kevin-murphy-73797666/ (source: lender_site, verified 2026-10-10) - View profile at Lower: https://www.lower.com/loan-officers/florida/orlando/kevin-murphy - Office phone and Email on file: shown at https://lendb.ai/lo/kevin-murphy-1006712#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1006712 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - lender_site: https://www.lower.com/loan-officers/florida/orlando/kevin-murphy - 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: Kevin Murphy (NMLS 1006712), Lower. LenDb.ai, https://lendb.ai/lo/kevin-murphy-1006712, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._