--- canonical_url: https://lendb.ai/lo/nicholas-hedke-224785 json_url: https://lendb.ai/lo/nicholas-hedke-224785.json nmls_id: 224785 last_verified: 2026-10-28 --- # Nick Hedke Loan Officer Assistant at Lower, Dublin, OH. NMLS ID 224785 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/224785)). 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. **Summary:** Nick Hedke (NMLS 224785) is Loan Officer Assistant at Lower, based in Dublin, OH. Licensed in 2 states confirmed with state regulators: Florida and Illinois. Also lists Ohio, Tennessee and Virginia 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: September 9, 2005 (Illinois), per state regulator. Last verified 2026-10-28. ## Quick answers ### Is Nick licensed in Ohio? 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. Source: https://www.lower.com/loan-officers/ohio/dublin/nick-hedke. ### What lender does Nick work for, and is it FHA-approved? 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). Source: https://www.lower.com/loan-officers/ohio/dublin/nick-hedke. ### How long has Nick been licensed? 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. Source: https://idfpr.illinois.gov/banks/resfin.html. ## At a glance - Earliest state license record: September 9, 2005 (Illinois), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Also licensed as (state regulator records, same NMLS ID): Nicholas S. Hedke (AR, CT, FL, IA, OR, as of 2026-10-20); Nicholas Hedke (IL, WI, as of 2026-10-27) - Licensed in: Florida (FL, confirmed), Illinois (IL, confirmed), Ohio (OH, lender_reported), Tennessee (TN, lender_reported), Virginia (VA, 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 (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.) - 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 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: LenDb summary of the lender page, verified 2026-10-10. ## Facts from the lender page and intro - years_experience: since 1999. Source: https://www.lower.com/loan-officers/ohio/dublin/nick-hedke, verified 2026-10-10. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO144712 | active | confirmed | 2026-02-04 | state_regulator | 2026-10-15 | | CT | Connecticut regulator | state_license | LO-224785 | inactive | confirmed | | state_regulator | 2026-10-15 | | IL | Illinois regulator | state_license | 31.0009443 | active | confirmed | 2005-09-09 | state_regulator | 2026-10-28 | | OH | | 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 | | AR | Arkansas regulator | state_license | n/a | inactive | confirmed | | state_regulator | 2026-10-20 | | IA | Iowa regulator | state_license | 56346 | inactive | confirmed | 2026-01-29 | state_regulator | 2026-10-20 | | OR | Oregon regulator | state_license | n/a | inactive | confirmed | 2026-02-18 | state_regulator | 2026-10-20 | | WI | Wisconsin regulator | state_license | 224785 | expired | confirmed | 2015-03-03 | state_regulator | 2026-10-21 | ## Employment history - ? to present: Lower (NMLS 1124061), Dublin, OH. Source: https://www.lower.com/loan-officers/ohio/dublin/nick-hedke, 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/224785 ## Contact - linkedin_url: https://www.linkedin.com/in/nick-hedke/ (source: lender_site, verified 2026-10-10) - View profile at Lower: https://www.lower.com/loan-officers/ohio/dublin/nick-hedke - Office phone and Email on file: shown at https://lendb.ai/lo/nicholas-hedke-224785#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/224785 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut - state_regulator: https://idfpr.illinois.gov/banks/resfin.html - lender_site: https://www.lower.com/loan-officers/ohio/dublin/nick-hedke - state_regulator: https://securities.arkansas.gov/loans/nmls/ - state_regulator: https://idob.iowa.gov/ - state_regulator: https://dfr.oregon.gov/ - state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/ - lender_site (lender programs): https://www.lower.com - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Nick Hedke (NMLS 224785), Lower. LenDb.ai, https://lendb.ai/lo/nicholas-hedke-224785, last verified 2026-10-28. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._