--- canonical_url: https://lendb.ai/lo/nicholas-caravana-1416141 json_url: https://lendb.ai/lo/nicholas-caravana-1416141.json nmls_id: 1416141 last_verified: 2026-10-10 --- # Nick Caravana Senior Executive Loan Officer at Lower, Columbus, OH. NMLS ID 1416141 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1416141)). **Summary:** Nick Caravana (NMLS 1416141) is Senior Executive Loan Officer at Lower, based in Columbus, OH. Licensed in Florida, confirmed with the state regulator (license LO32435). Also lists Alabama, Arizona, California, Colorado, Connecticut, Delaware, Georgia, Illinois and 19 more on the lender page (not yet checked with the state regulator). Earliest state license record: November 5, 2015 (Florida), per state regulator. Last verified 2026-10-10. ## At a glance - Earliest state license record: November 5, 2015 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), Arizona (AZ, lender_reported), California (CA, lender_reported), Colorado (CO, lender_reported), Connecticut (CT, lender_reported), Delaware (DE, lender_reported), Georgia (GA, lender_reported), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Kentucky (KY, lender_reported), Massachusetts (MA, lender_reported), Maryland (MD, lender_reported), Michigan (MI, lender_reported), Minnesota (MN, lender_reported), Missouri (MO, lender_reported), North Carolina (NC, lender_reported), New Hampshire (NH, lender_reported), New Jersey (NJ, lender_reported), Ohio (OH, lender_reported), Oklahoma (OK, lender_reported), Oregon (OR, lender_reported), Pennsylvania (PA, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, lender_reported), Virginia (VA, lender_reported), Washington (WA, lender_reported), Wisconsin (WI, 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 ## About Nick Caravana has 10+ years of mortgage experience and is a Scotsman Guide Top Producer. They say they have helped thousands of homeowners with purchases, refinances and home equity strategies. Source: LenDb summary of the lender page, verified 2026-10-10. ## Facts from the lender page and intro - years_experience: 10+. Source: https://www.lower.com/loan-officers/ohio/columbus/nick-caravana, verified 2026-10-10. - credential: Scotsman Guide Top Producer. Source: https://www.lower.com/loan-officers/ohio/columbus/nick-caravana, verified 2026-10-10. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO32435 | active | confirmed | 2015-11-05 | state_regulator | 2026-10-09 | | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | CO | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | CT | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | DE | 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 | | IN | 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 | | MA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MO | 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 | | NH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | NJ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | OH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | OK | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | OR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | PA | 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 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | WI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | ## Employment history - ? to present: Lower (NMLS 1124061), Columbus, OH. Source: https://www.lower.com/loan-officers/ohio/columbus/nick-caravana, 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/1416141 ## Contact - linkedin_url: https://www.linkedin.com/in/nicholas-caravana-6a728490/ (source: lender_site, verified 2026-10-10) - View profile at Lower: https://www.lower.com/loan-officers/ohio/columbus/nick-caravana - Email on file: shown at https://lendb.ai/lo/nicholas-caravana-1416141#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1416141 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - lender_site: https://www.lower.com/loan-officers/ohio/columbus/nick-caravana Cite as: Nick Caravana (NMLS 1416141), Lower. LenDb.ai, https://lendb.ai/lo/nicholas-caravana-1416141, last verified 2026-10-10. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._