---
canonical_url: https://lendb.ai/lo/kristen-clarke-241186
json_url: https://lendb.ai/lo/kristen-clarke-241186.json
nmls_id: 241186
last_verified: 2026-10-10
---

# Kristen Clarke

Sales Manager at Lower, Cherry Hill, NJ. NMLS ID 241186 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/241186)).

**Summary:** Kristen Clarke (NMLS 241186) is Sales Manager at Lower, based in Cherry Hill, NJ. Licensed in Florida, confirmed with the state regulator (license LO44658). Also lists Colorado, Delaware, New Jersey, Pennsylvania and South Carolina on the lender page (not yet checked with the state regulator). Earliest state license record: June 23, 2017 (Florida), per state regulator. Last verified 2026-10-10.

## At a glance

- Earliest state license record: June 23, 2017 (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), Colorado (CO, lender_reported), Delaware (DE, lender_reported), New Jersey (NJ, lender_reported), Pennsylvania (PA, lender_reported), South Carolina (SC, 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


## About

Kristen Clarke has worked in the mortgage industry since February 1999 and supports loan officers, partners and clients as a Sales Manager.

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

## Facts from the lender page and intro

- years_experience: since 1999. Source: https://www.lower.com/loan-officers/new-jersey/mt-laurel/kristen-clarke, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO44658 | active | confirmed | 2017-06-23 | state_regulator | 2026-10-09 |
| CO | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| DE | 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 |
| PA | 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 |

## Employment history

- ? to present: Lower (NMLS 1124061), Cherry Hill, NJ. Source: https://www.lower.com/loan-officers/new-jersey/mt-laurel/kristen-clarke, 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/241186

## Contact

- View profile at Lower: https://www.lower.com/loan-officers/new-jersey/mt-laurel/kristen-clarke
- Office phone and Email on file: shown at https://lendb.ai/lo/kristen-clarke-241186#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/241186
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.lower.com/loan-officers/new-jersey/mt-laurel/kristen-clarke

Cite as: Kristen Clarke (NMLS 241186), Lower. LenDb.ai, https://lendb.ai/lo/kristen-clarke-241186, last verified 2026-10-10.

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