---
canonical_url: https://lendb.ai/lo/lester-tutak-204014
json_url: https://lendb.ai/lo/lester-tutak-204014.json
nmls_id: 204014
last_verified: 2026-10-10
---

# Lester Tutak

Sr. Loan Officer at Lower, Glen Carbon, IL. NMLS ID 204014 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/204014)).

**Summary:** Lester Tutak (NMLS 204014) is Sr. Loan Officer at Lower, based in Glen Carbon, IL. Lists Illinois on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Reverse mortgage and First-time buyer. Lower also offers FHA loan, HELOC, Real estate investor, Jumbo loan and Non-QM loan and 4 more (a lender program, not confirmed as their own focus). Last verified 2026-10-10.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Illinois (IL, lender_reported)
- 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)

- **Reverse mortgage** (`reverse`): from their lender profile page, confidence 0.80, verified 2026-10-10. Source: https://www.lower.com/loan-officers/illinois/glen-carbon/lester-tutak
- **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.50, verified 2026-10-10. Source: https://www.lower.com/loan-officers/illinois/glen-carbon/lester-tutak

### 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
- **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

Senior financing and reverse mortgage certified since 2007, with a focus on first-time homebuyers and seniors. Member of the National Aging in Place Council.

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

## Facts from the lender page and intro

- credential: Senior Financing & Reverse Mortgage Certified since 2007. Source: https://www.lower.com/loan-officers/illinois/glen-carbon/lester-tutak, verified 2026-10-10.
- credential: Five Star Mortgage Professional Award (6-year winner, Excellence in Customer Service). Source: https://www.lower.com/loan-officers/illinois/glen-carbon/lester-tutak, verified 2026-10-10.
- credential: Daily Herald Reader Choice Best Mortgage Lender Award (2018, 2022, 2023, 2024). Source: https://www.lower.com/loan-officers/illinois/glen-carbon/lester-tutak, verified 2026-10-10.
- community: National Aging in Place Council member. Source: https://www.lower.com/loan-officers/illinois/glen-carbon/lester-tutak, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| IL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Glen Carbon, IL. Source: https://www.lower.com/loan-officers/illinois/glen-carbon/lester-tutak, 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/204014

## Contact

- linkedin_url: https://www.linkedin.com/in/lester-tutak-171b6217/ (source: lender_site, verified 2026-10-10)
- View profile at Lower: https://www.lower.com/loan-officers/illinois/glen-carbon/lester-tutak
- Office phone and Email on file: shown at https://lendb.ai/lo/lester-tutak-204014#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/204014
- lender_site: https://www.lower.com/loan-officers/illinois/glen-carbon/lester-tutak
- lender_site (lender programs): https://www.lower.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Lester Tutak (NMLS 204014), Lower. LenDb.ai, https://lendb.ai/lo/lester-tutak-204014, last verified 2026-10-10.

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