Michael Baralt, photo from Lower

Michael Baralt

Branch Manager, VP at Lower · Clearwater, FL

NMLS ID 364877 (opens in a new tab) · verify at NMLS Consumer Access

Michael Baralt (NMLS 364877) is Branch Manager, VP at Lower, based in Clearwater, FL. Licensed in 2 states confirmed with state regulators: Florida and Colorado. Also lists Alabama, Arkansas, Georgia, Illinois, Maine, North Carolina, South Carolina, Tennessee and 2 more on the lender page (not yet checked with the state regulator). Licensed since 2011 (per Florida records).

Last verified . Sources: Lower (lower.com), Florida state regulator, Colorado state regulator and NMLS Consumer Access (license status, check live).

Specialties

None listed on the lender page yet.

    Evidence levels, strongest first: production data, lender page, self-reported.

    Languages

    Not listed

    Licensed states

    AKMEVTNHWAIDMTNDMNILWIMINYMARIORNVWYSDIAINOHPANJCTCAUTCONEMOKYWVVAMDDEAZNMKSARTNNCSCDCOKLAMSALGAHITXFL

    Florida, Colorado, Alabama, Arkansas, Georgia, Illinois, Maine, North Carolina, South Carolina, Tennessee, Texas, Virginia

    ✓ Confirmed with the state regulator: FL (opens in a new tab) (LO4324, since 2011), CO (opens in a new tab) (100536128, since 2023), verified 2026-10-09.

    Lender-reported: AL, AR, GA, IL, ME, NC, SC, TN, TX, VA are listed on the lender page, not yet checked with the state regulator.

    Contact

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    Employment history

    1. Lower NMLS 1124061

      Current · Clearwater, FL · seen on lender site 2026-10-10

    Disciplinary history

    Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).

    Sources

    Name and employerlender site · lower.com (opens in a new tab)verified 2026-10-10
    Licenses (regulator)state regulator · apps.colorado.gov (opens in a new tab)verified 2026-10-10
    Licensed stateslender site · lower.com (opens in a new tab)verified 2026-10-10
    Contactlender site · lower.com (opens in a new tab)verified 2026-10-10
    Photolender site · lower.com (opens in a new tab)verified 2026-10-10
    License statusNMLS Consumer Access (opens in a new tab)check live

    Also available as Markdown, JSON, or via the API.

    Cite as: Michael Baralt (NMLS 364877), Lower. LenDb.ai, https://lendb.ai/lo/michael-baralt-364877, last verified 2026-10-10.

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