---
canonical_url: https://lendb.ai/lo/michael-baralt-364877
json_url: https://lendb.ai/lo/michael-baralt-364877.json
nmls_id: 364877
last_verified: 2026-10-10
---

# Michael Baralt

Branch Manager, VP at Lower, Clearwater, FL. NMLS ID 364877 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/364877)).

**Summary:** 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 2026-10-10.

## At a glance

- Licensed since 2011 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Colorado (CO, confirmed), Alabama (AL, lender_reported), Arkansas (AR, lender_reported), Georgia (GA, lender_reported), Illinois (IL, lender_reported), Maine (ME, lender_reported), North Carolina (NC, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Virginia (VA, 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 | LO4324 | active | confirmed | 2011-03-22 | state_regulator | 2026-10-09 |
| CO | state_license | 100536128 | active | confirmed | 2023-03-09 | state_regulator | 2026-10-10 |
| 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 |
| 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 |
| ME | 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 |
| 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 | 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 |

## Employment history

- ? to present: Lower (NMLS 1124061), Clearwater, FL. Source: https://www.lower.com/loan-officers/florida/clearwater/michael-baralt, 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/364877

## Contact

- linkedin_url: http://www.linkedin.com/in/mikebaralt (source: lender_site, verified 2026-10-10)
- View profile at Lower: https://www.lower.com/loan-officers/florida/clearwater/michael-baralt
- Office phone and Email on file: shown at https://lendb.ai/lo/michael-baralt-364877#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/364877
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=312831&contact=541756
- lender_site: https://www.lower.com/loan-officers/florida/clearwater/michael-baralt

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

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