Michael Swopes
Loan Officer at Lower · El Paso, TX
NMLS ID 1450587 (opens in a new tab) · verify at NMLS Consumer Access
Michael Swopes (NMLS 1450587) is Loan Officer at Lower, based in El Paso, TX. Licensed in 2 states confirmed with state regulators: Texas and Louisiana. Also lists New Mexico 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: June 20, 2016 (Texas), per state regulator.
Last verified . Sources: Lower (lower.com), Texas state regulator, Louisiana state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: June 20, 2016 (Texas), per state regulator
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 3 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Focus
No focus listed on their lender page yet.
Their lender offers
FHA loan, First-time buyer, HELOC, Real estate investor, Jumbo loan, Non-QM loan, Renovation loan (203k / HomeStyle), USDA loan, VA loan and Vacation home. Programs Lower offers (verified 2026-10-10). Lender-level: not confirmed as Michael's own focus, so ask.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
✓ Confirmed with the state regulator: TX (opens in a new tab), LA (opens in a new tab), verified 2026-10-13.
Lender-reported: NM is listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Lower NMLS 1124061
Current · El Paso, TX · 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).
About
Loan officer with Lower in El Paso, licensed in NM and TX, focused on personalized guidance through the home financing process.
Our summary of the lender page. Verified 2026-10-10.
Sources
| Name and employer | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Licensed states | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Licenses (regulator) | state regulator · ofi.la.gov (opens in a new tab) | verified 2026-10-15 |
| Lender programs | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Summary | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Contact | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Photo | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Michael Swopes (NMLS 1450587), Lower. LenDb.ai, https://lendb.ai/lo/michael-swopes-1450587, last verified 2026-10-13.
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