--- canonical_url: https://lendb.ai/lo/morgan-cowle-40312 json_url: https://lendb.ai/lo/morgan-cowle-40312.json nmls_id: 40312 last_verified: 2026-10-09 --- # Morgan Cowle Loan Officer at Churchill Mortgage, Brentwood, TN. NMLS ID 40312 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/40312)). **Summary:** Morgan Cowle (NMLS 40312) is Loan Officer at Churchill Mortgage, based in Brentwood, TN. Licensed in 3 states confirmed with state regulators: Florida, Colorado and Pennsylvania. Also lists Alabama, Arkansas, Connecticut, Indiana, Kentucky, Michigan, Ohio, Oklahoma and 2 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan and VA loan. Licensed since 2013 (per Colorado records). States 18 years of experience. Last verified 2026-10-09. ## At a glance - Licensed since 2013 (per Colorado records). This is license history on file, not total experience. - Years experience (stated by the LO): 18 (source: https://www.churchillmortgage.com/loan-officers/morgan-cowle, verified 2026-10-09) - Licensed in: Florida (FL, confirmed), Colorado (CO, confirmed), Pennsylvania (PA, confirmed), Alabama (AL, lender_reported), Arkansas (AR, lender_reported), Connecticut (CT, lender_reported), Indiana (IN, lender_reported), Kentucky (KY, lender_reported), Michigan (MI, lender_reported), Ohio (OH, lender_reported), Oklahoma (OK, lender_reported), Tennessee (TN, lender_reported), Texas (TX, 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 - **FHA loan** (`fha`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.churchillmortgage.com/loan-officers/morgan-cowle - **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.churchillmortgage.com/loan-officers/morgan-cowle ## About Morgan Cowle has 18 years of mortgage experience specializing in FHA, VA, and conventional loans across Tennessee and multiple states. He holds a Bachelor's degree in Finance from the University of Arizona (1996) and is passionate about orphan and adoption-related causes. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: 18. Source: https://www.churchillmortgage.com/loan-officers/morgan-cowle, verified 2026-10-09. - education: Bachelor's degree in Finance from University of Arizona, 1996. Source: https://www.churchillmortgage.com/loan-officers/morgan-cowle, verified 2026-10-09. - community: Involved in orphan and adoption-related causes. Source: https://www.churchillmortgage.com/loan-officers/morgan-cowle, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO27637 | active | confirmed | 2014-12-04 | state_regulator | 2026-10-09 | | CO | state_license | 100044050 | active | confirmed | 2013-05-22 | state_regulator | 2026-10-09 | | PA | state_license | 43933 | active | confirmed | | state_regulator | 2026-10-09 | | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | AR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CT | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | KY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OK | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TX | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: Churchill Mortgage (NMLS 1591), Brentwood, TN. Source: https://www.churchillmortgage.com/loan-officers/morgan-cowle, verified 2026-10-09. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/40312 ## Contact - View profile at Churchill Mortgage: https://www.churchillmortgage.com/loan-officers/morgan-cowle - Office phone and Email on file: shown at https://lendb.ai/lo/morgan-cowle-40312#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/40312 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=140579&contact=250218 - state_regulator: https://data.pa.gov/d/tyxc-jyug - lender_site: https://www.churchillmortgage.com/loan-officers/morgan-cowle Cite as: Morgan Cowle (NMLS 40312), Churchill Mortgage. LenDb.ai, https://lendb.ai/lo/morgan-cowle-40312, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._