---
canonical_url: https://lendb.ai/lo/kole-clay-2786965
json_url: https://lendb.ai/lo/kole-clay-2786965.json
nmls_id: 2786965
last_verified: 2026-10-10
---

# Kole Clay

Loan Officer at Lower, Columbus, OH. NMLS ID 2786965 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2786965)).

**Summary:** 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. Earliest state license record: January 22, 2026 (Florida), per state regulator. Last verified 2026-10-10.

## At a glance

- Earliest state license record: January 22, 2026 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Arizona (AZ, lender_reported), California (CA, lender_reported), Georgia (GA, lender_reported), Illinois (IL, lender_reported), North Carolina (NC, lender_reported), New Jersey (NJ, lender_reported), Ohio (OH, lender_reported), Pennsylvania (PA, lender_reported), Tennessee (TN, lender_reported), Texas (TX, 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

- **HELOC** (`heloc`): lender page, confidence 0.60, verified 2026-10-10. Source: https://www.lower.com/loan-officers/ohio/columbus/kole-clay

## 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.

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

## Facts from the lender page and intro

- service_area: Ohio, Texas, Illinois, Tennessee, North Carolina, Georgia, Arizona, California, Pennsylvania, Florida, Virginia. Source: https://www.lower.com/loan-officers/ohio/columbus/kole-clay, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO144389 | active | confirmed | 2026-01-22 | state_regulator | 2026-10-09 |
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| IL | 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 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| OH | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| PA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| TX | 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), Columbus, OH. Source: https://www.lower.com/loan-officers/ohio/columbus/kole-clay, 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/2786965

## Contact

- View profile at Lower: https://www.lower.com/loan-officers/ohio/columbus/kole-clay
- Email on file: shown at https://lendb.ai/lo/kole-clay-2786965#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2786965
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.lower.com/loan-officers/ohio/columbus/kole-clay

Cite as: Kole Clay (NMLS 2786965), Lower. LenDb.ai, https://lendb.ai/lo/kole-clay-2786965, last verified 2026-10-10.

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