--- canonical_url: https://lendb.ai/lo/matthew-mikel-1280090 json_url: https://lendb.ai/lo/matthew-mikel-1280090.json nmls_id: 1280090 last_verified: 2026-10-15 --- # Matthew Mikel Executive Loan Officer at Lower, Columbus, OH. NMLS ID 1280090 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1280090)). **Summary:** Matthew Mikel (NMLS 1280090) is Executive Loan Officer at Lower, based in Columbus, OH. Licensed in 4 states confirmed with state regulators: Florida, Connecticut, Louisiana and Texas. Also lists Alabama, Arkansas, California, Colorado, District of Columbia, Delaware, Georgia, Illinois and 18 more on the lender page (not yet checked with the state regulator). Lower also offers FHA loan, First-time buyer, HELOC, Real estate investor and Jumbo loan and 5 more (a lender program, not confirmed as their own focus). Earliest state license record: March 15, 2016 (Florida), per state regulator. States 10 years of experience. Last verified 2026-10-15. ## At a glance - Earliest state license record: March 15, 2016 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 10 (source: https://www.lower.com/loan-officers/ohio/columbus/matthew-mikel, verified 2026-10-10) - Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), Arkansas (AR, lender_reported), California (CA, lender_reported), Colorado (CO, lender_reported), Connecticut (CT, confirmed), District of Columbia (DC, lender_reported), Delaware (DE, lender_reported), Georgia (GA, lender_reported), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Kansas (KS, lender_reported), Kentucky (KY, lender_reported), Louisiana (LA, confirmed), Massachusetts (MA, lender_reported), Maryland (MD, lender_reported), Michigan (MI, lender_reported), Minnesota (MN, lender_reported), Missouri (MO, lender_reported), North Carolina (NC, lender_reported), New Jersey (NJ, lender_reported), Ohio (OH, lender_reported), Oregon (OR, lender_reported), Pennsylvania (PA, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, lender_reported), Texas (TX, confirmed), Utah (UT, lender_reported), Virginia (VA, lender_reported), Wisconsin (WI, 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) - None on file yet. ### 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 - **First-time buyer** (`first-time-buyer`): 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 Matthew Mikel is an Executive Loan Originator with more than ten years of mortgage lending experience. They work with borrowers across a wide range of financial profiles, property types and loan scenarios. Source: LenDb summary of the lender page, verified 2026-10-10. ## Facts from the lender page and intro - years_experience: 10. Source: https://www.lower.com/loan-officers/ohio/columbus/matthew-mikel, verified 2026-10-10. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO34264 | active | confirmed | 2016-03-15 | state_regulator | 2026-10-15 | | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | AR | 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 | | CO | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | CT | state_license | LO-1280090 | active | confirmed | | state_regulator | 2026-10-15 | | 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 | | IL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | IN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | KS | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | KY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | LA | state_license | n/a | active | confirmed | | state_regulator | 2026-10-15 | | MA | 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 | | MN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MO | 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 | | OR | 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 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | TX | state_license | n/a | active | confirmed | 2018-08-20 | state_regulator | 2026-10-13 | | UT | 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 | | WI | 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/matthew-mikel, 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/1280090 ## Contact - linkedin_url: https://www.linkedin.com/in/matthew-mikel-66ab1932/ (source: lender_site, verified 2026-10-10) - View profile at Lower: https://www.lower.com/loan-officers/ohio/columbus/matthew-mikel - Email on file: shown at https://lendb.ai/lo/matthew-mikel-1280090#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1280090 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - lender_site: https://www.lower.com/loan-officers/ohio/columbus/matthew-mikel - state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut - state_regulator: https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/ - state_regulator: https://www.sml.texas.gov/ - lender_site (lender programs): https://www.lower.com - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Matthew Mikel (NMLS 1280090), Lower. LenDb.ai, https://lendb.ai/lo/matthew-mikel-1280090, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._