{
  "canonical_url": "https://lendb.ai/lo/nicholas-hedke-224785",
  "lede": {
    "text": "Based in Dublin, Ohio, Nick Hedke (NMLS 224785) is a Loan Officer Assistant at Lower, licensed in Illinois since 2005 and in Florida. Nick works at an FHA-approved lender, per HUD.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Nick licensed in Ohio?",
      "a": "Lower's page for Nick lists Ohio. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access. LenDb has 4 other states on file for Nick.",
      "fields": [
        "licenses"
      ],
      "source": "lender page",
      "source_url": "https://www.lower.com/loan-officers/ohio/dublin/nick-hedke",
      "verified_at": "2026-10-10"
    },
    {
      "q": "What lender does Nick work for, and is it FHA-approved?",
      "a": "Lower, company NMLS 1124061, from the Dublin, OH office, per the lender's own site (verified 2026-10-10). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026).",
      "fields": [
        "current_employment",
        "employer_program_approvals"
      ],
      "source": "lender site; HUD",
      "source_url": "https://www.lower.com/loan-officers/ohio/dublin/nick-hedke",
      "verified_at": "2026-10-10"
    },
    {
      "q": "How long has Nick been licensed?",
      "a": "The earliest state license record LenDb holds for Nick is from September 9, 2005 (Illinois regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Illinois state regulator",
      "source_url": "https://idfpr.illinois.gov/banks/resfin.html",
      "verified_at": "2026-10-28"
    }
  ],
  "field_notes": {
    "languages": "Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it."
  },
  "loan_officer": {
    "nmls_id": 224785,
    "slug": "nicholas-hedke-224785",
    "canonical_url": "https://lendb.ai/lo/nicholas-hedke-224785",
    "md_url": "https://lendb.ai/lo/nicholas-hedke-224785.md",
    "json_url": "https://lendb.ai/lo/nicholas-hedke-224785.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/224785",
    "full_name": {
      "value": "Nick Hedke",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/ohio/dublin/nick-hedke",
      "verified_at": "2026-10-10"
    },
    "first_name": "Nick",
    "last_name": "Hedke",
    "licensed_names": [
      {
        "name": "Nicholas Hedke",
        "name_with_middle_initial": "Nicholas S. Hedke",
        "first_name": "Nicholas",
        "middle_initial": "S",
        "last_name": "Hedke",
        "states": [
          "AR",
          "CT",
          "FL",
          "IA",
          "OR"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-20"
      },
      {
        "name": "Nicholas Hedke",
        "name_with_middle_initial": null,
        "first_name": "Nicholas",
        "middle_initial": null,
        "last_name": "Hedke",
        "states": [
          "IL",
          "WI"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-27"
      }
    ],
    "headshot_url": {
      "value": "https://www.lower.com/hs-fs/hubfs/airtable-imports/profile-pics/lo-nick-hedke.jpg?quality=80&format=webp&width=800&height=800&name=lo-nick-hedke.jpg",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/ohio/dublin/nick-hedke",
      "verified_at": "2026-10-10"
    },
    "bio": {
      "value": "Nick Hedke is a Loan Officer Assistant in Dublin, Ohio, and has worked in the mortgage industry since 1999. They are licensed in IL, TN, OH, FL and VA.",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/ohio/dublin/nick-hedke",
      "verified_at": "2026-10-10"
    },
    "title": {
      "value": "Loan Officer Assistant",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/ohio/dublin/nick-hedke",
      "verified_at": "2026-10-10"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/ohio/dublin/nick-hedke",
      "verified_at": "2026-10-10"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 1124061,
      "lender_name": "Lower",
      "lender_slug": "lower-1124061",
      "branch_city": "Dublin",
      "branch_state": "OH",
      "branch_zip": "43017",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.lower.com/loan-officers/ohio/dublin/nick-hedke",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/ohio/dublin/nick-hedke",
      "verified_at": "2026-10-10"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "lender_slug": "lower-1124061",
        "branch_city": "Dublin",
        "branch_state": "OH",
        "branch_zip": "43017",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.lower.com/loan-officers/ohio/dublin/nick-hedke",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/ohio/dublin/nick-hedke",
        "verified_at": "2026-10-10"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO144712",
        "status": "active",
        "issued_at": "2026-02-04",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "CT",
        "license_type": "state_license",
        "license_number": "LO-224785",
        "status": "inactive",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "ct"
      },
      {
        "state": "IL",
        "license_type": "state_license",
        "license_number": "31.0009443",
        "status": "active",
        "issued_at": "2005-09-09",
        "source": "state_regulator",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html",
        "verified_at": "2026-10-28",
        "confidence": "confirmed",
        "regulator": "il"
      },
      {
        "state": "OH",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/ohio/dublin/nick-hedke",
        "verified_at": "2026-10-10",
        "confidence": "lender_reported"
      },
      {
        "state": "TN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/ohio/dublin/nick-hedke",
        "verified_at": "2026-10-10",
        "confidence": "lender_reported"
      },
      {
        "state": "VA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/ohio/dublin/nick-hedke",
        "verified_at": "2026-10-10",
        "confidence": "lender_reported"
      },
      {
        "state": "AR",
        "license_type": "state_license",
        "license_number": null,
        "status": "inactive",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://securities.arkansas.gov/loans/nmls/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ar"
      },
      {
        "state": "IA",
        "license_type": "state_license",
        "license_number": "56346",
        "status": "inactive",
        "issued_at": "2026-01-29",
        "source": "state_regulator",
        "source_url": "https://idob.iowa.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ia"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "inactive",
        "issued_at": "2026-02-18",
        "source": "state_regulator",
        "source_url": "https://dfr.oregon.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "or"
      },
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "224785",
        "status": "expired",
        "issued_at": "2015-03-03",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      }
    ],
    "specialties": [],
    "lender_offers": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "heloc",
        "label": "HELOC",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "non-qm",
        "label": "Non-QM loan",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      },
      {
        "slug": "vacation-home",
        "label": "Vacation home",
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "source": "lender_site",
        "source_url": "https://www.lower.com",
        "verified_at": "2026-10-10"
      }
    ],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/nick-hedke/",
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/ohio/dublin/nick-hedke",
        "verified_at": "2026-10-10"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 1999",
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/ohio/dublin/nick-hedke",
        "verified_at": "2026-10-10"
      }
    ],
    "last_verified_at": "2026-10-28",
    "updated_at": "2026-10-28 14:33:10.461673+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/nicholas-hedke-224785#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/ohio/dublin/nick-hedke",
      "verified_at": "2026-10-10"
    },
    "earliest_license_record": {
      "date": "2005-09-09",
      "state": "IL"
    },
    "licensed_since": {
      "year": 2005,
      "state": "IL"
    },
    "federal_registration": null
  }
}