---
canonical_url: https://lendb.ai/lo/lisa-gaton-rapena-450539
json_url: https://lendb.ai/lo/lisa-gaton-rapena-450539.json
nmls_id: 450539
last_verified: 2026-10-10
---

# Lisa Gaton-Rapena

Sr. Loan Officer at Lower, Columbia, MD. NMLS ID 450539 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/450539)).

**Summary:** Lisa Gaton-Rapena (NMLS 450539) is Sr. Loan Officer at Lower, based in Columbia, MD. Licensed in Florida, confirmed with the state regulator (license LO45421). Also lists District of Columbia, Delaware, Georgia, Maryland, Michigan, New Jersey, Pennsylvania, South Carolina and 2 more on the lender page (not yet checked with the state regulator). Earliest state license record: July 21, 2017 (Florida), per state regulator. Last verified 2026-10-10.

## At a glance

- Earliest state license record: July 21, 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), District of Columbia (DC, lender_reported), Delaware (DE, lender_reported), Georgia (GA, lender_reported), Maryland (MD, lender_reported), Michigan (MI, lender_reported), New Jersey (NJ, lender_reported), Pennsylvania (PA, lender_reported), South Carolina (SC, lender_reported), Virginia (VA, lender_reported), West Virginia (WV, 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


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO45421 | active | confirmed | 2017-07-21 | state_regulator | 2026-10-09 |
| DC | 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 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| MI | 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 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| WV | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Columbia, MD. Source: https://www.lower.com/loan-officers/maryland/columbia/lisa-gaton-rapena, 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/450539

## Contact

- linkedin_url: https://www.linkedin.com/in/lisa-gaton-rapena-34724523/ (source: lender_site, verified 2026-10-10)
- View profile at Lower: https://www.lower.com/loan-officers/maryland/columbia/lisa-gaton-rapena
- Office phone and Email on file: shown at https://lendb.ai/lo/lisa-gaton-rapena-450539#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/450539
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.lower.com/loan-officers/maryland/columbia/lisa-gaton-rapena

Cite as: Lisa Gaton-Rapena (NMLS 450539), Lower. LenDb.ai, https://lendb.ai/lo/lisa-gaton-rapena-450539, last verified 2026-10-10.

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