--- canonical_url: https://lendb.ai/lo/michael-tullio-208860 json_url: https://lendb.ai/lo/michael-tullio-208860.json nmls_id: 208860 last_verified: 2026-10-15 --- # Mike Tullio VP of Lending at Lower, Lakewood Ranch, FL. NMLS ID 208860 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/208860)). **Summary:** Mike Tullio (NMLS 208860) is VP of Lending at Lower, based in Lakewood Ranch, FL. Licensed in Florida, confirmed with the state regulator (license LO5587). Also lists Alabama, Georgia, Kentucky, North Carolina and Tennessee 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: April 18, 2011 (Florida), per state regulator. States 21 years of experience. Last verified 2026-10-15. ## At a glance - Earliest state license record: April 18, 2011 (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): 21 (source: https://www.lower.com/loan-officers/florida/lakewood-ranch/mike-tullio, verified 2026-10-10) - Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), Georgia (GA, lender_reported), Kentucky (KY, lender_reported), North Carolina (NC, lender_reported), Tennessee (TN, 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 Mike has worked in mortgage lending since 2005, after 12 years teaching English in Manatee County schools. They build relationships and customize lending solutions for each client. Source: LenDb summary of the lender page, verified 2026-10-10. ## Video intro available Mike has a short recorded video intro on Lower's site. Watch on Lower's site: https://www.lower.com/loan-officers/florida/lakewood-ranch/mike-tullio The recording is hosted by the lender; LenDb does not copy or transcribe it. Verified 2026-10-10. ## Facts from the lender page and intro - years_experience: 21. Source: https://www.lower.com/loan-officers/florida/lakewood-ranch/mike-tullio, verified 2026-10-10. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO5587 | active | confirmed | 2011-04-18 | state_regulator | 2026-10-15 | | AL | 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 | | KY | 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 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | ## Employment history - ? to present: Lower (NMLS 1124061), Lakewood Ranch, FL. Source: https://www.lower.com/loan-officers/florida/lakewood-ranch/mike-tullio, 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/208860 ## Contact - linkedin_url: https://www.linkedin.com/in/mike-tullio-4b047611/ (source: lender_site, verified 2026-10-10) - View profile at Lower: https://www.lower.com/loan-officers/florida/lakewood-ranch/mike-tullio - Office phone and Email on file: shown at https://lendb.ai/lo/michael-tullio-208860#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/208860 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip - lender_site: https://www.lower.com/loan-officers/florida/lakewood-ranch/mike-tullio - lender_site (lender programs): https://www.lower.com - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Mike Tullio (NMLS 208860), Lower. LenDb.ai, https://lendb.ai/lo/michael-tullio-208860, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._