---
canonical_url: https://lendb.ai/lo/michael-carey-384158
json_url: https://lendb.ai/lo/michael-carey-384158.json
nmls_id: 384158
last_verified: 2026-10-10
---

# Mike Carey

Senior Loan Officer at Lower, Orange Beach, AL. NMLS ID 384158 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/384158)).

**Summary:** Mike Carey (NMLS 384158) is Senior Loan Officer at Lower, based in Orange Beach, AL. Licensed in Florida, confirmed with the state regulator (license LO49560). Also lists Alabama and Tennessee on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. Licensed since 2018 (per Florida records). Last verified 2026-10-10.

## At a glance

- Licensed since 2018 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), Tennessee (TN, 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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.60, verified 2026-10-10. Source: https://www.lower.com/loan-officers/alabama/orange-beach/mike-carey

## About

Mike Carey has over 20 years of mortgage lending experience and works by referral only. They say their specialties span first-time buyers through seasoned buyers.

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

## Facts from the lender page and intro

- years_experience: 20+. Source: https://www.lower.com/loan-officers/alabama/orange-beach/mike-carey, verified 2026-10-10.
- other: Works by referral only. Source: https://www.lower.com/loan-officers/alabama/orange-beach/mike-carey, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO49560 | active | confirmed | 2018-01-08 | state_regulator | 2026-10-09 |
| AL | 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 |

## Employment history

- ? to present: Lower (NMLS 1124061), Orange Beach, AL. Source: https://www.lower.com/loan-officers/alabama/orange-beach/mike-carey, 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/384158

## Contact

- linkedin_url: https://www.linkedin.com/in/mike-carey-247b7353/ (source: lender_site, verified 2026-10-10)
- View profile at Lower: https://www.lower.com/loan-officers/alabama/orange-beach/mike-carey
- Email on file: shown at https://lendb.ai/lo/michael-carey-384158#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/384158
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.lower.com/loan-officers/alabama/orange-beach/mike-carey

Cite as: Mike Carey (NMLS 384158), Lower. LenDb.ai, https://lendb.ai/lo/michael-carey-384158, last verified 2026-10-10.

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