Kole Clay
Loan Officer at Lower · Columbus, OH
NMLS ID 2786965 (opens in a new tab) · verify at NMLS Consumer Access
Kole Clay (NMLS 2786965) is Loan Officer at Lower, based in Columbus, OH. Licensed in Florida, confirmed with the state regulator (license LO144389). Also lists Arizona, California, Georgia, Illinois, North Carolina, New Jersey, Ohio, Pennsylvania and 3 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: HELOC. Licensed since 2026 (per Florida records).
Last verified . Sources: Lower (lower.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Licensed since 2026 (per Florida records)
- 12 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Where we saw these: lower.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
Florida, Arizona, California, Georgia, Illinois, North Carolina, New Jersey, Ohio, Pennsylvania, Tennessee, Texas, Virginia
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO144389, since 2026), verified 2026-10-09.
Lender-reported: AZ, CA, GA, IL, NC, NJ, OH, PA, TN, TX, VA 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
Kole Clay says they specialize in helping homeowners make the most of their mortgage and home equity, across a multi-state footprint including Ohio and Texas.
Our summary of the lender page. Verified 2026-10-10.
- Serves
- Ohio, Texas, Illinois, Tennessee, North Carolina, Georgia, Arizona, California, Pennsylvania, Florida, Virginia
- 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 · real.flofr.com (opens in a new tab) | verified 2026-10-09 |
| 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 |
| 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: Kole Clay (NMLS 2786965), Lower. LenDb.ai, https://lendb.ai/lo/kole-clay-2786965, last verified 2026-10-10.
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