{
  "canonical_url": "https://lendb.ai/lo/nick-morrone-1795139",
  "loan_officer": {
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    "md_url": "https://lendb.ai/lo/nick-morrone-1795139.md",
    "json_url": "https://lendb.ai/lo/nick-morrone-1795139.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1795139",
    "full_name": {
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      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/georgia/grayson-ga/nick-morrone",
      "verified_at": "2026-10-10"
    },
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    "last_name": "Morrone",
    "headshot_url": {
      "value": "https://www.lower.com/hs-fs/hubfs/airtable-imports/profile-pics/lo-nick-morrone-3.jpg?quality=80&format=webp&width=800&height=800&name=lo-nick-morrone-3.jpg",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/georgia/grayson-ga/nick-morrone",
      "verified_at": "2026-10-10"
    },
    "bio": {
      "value": "Nick focuses on Georgia borrowers and says they have helped more than 400 families purchase or refinance homes.",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/georgia/grayson-ga/nick-morrone",
      "verified_at": "2026-10-10"
    },
    "title": {
      "value": "VP of Lending",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/georgia/grayson-ga/nick-morrone",
      "verified_at": "2026-10-10"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/georgia/grayson-ga/nick-morrone",
      "verified_at": "2026-10-10"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
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      "lender_name": "Lower",
      "lender_slug": "lower-1124061",
      "branch_city": "Snellville",
      "branch_state": "GA",
      "branch_zip": "30078",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.lower.com/loan-officers/georgia/grayson-ga/nick-morrone",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/georgia/grayson-ga/nick-morrone",
      "verified_at": "2026-10-10"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "lender_slug": "lower-1124061",
        "branch_city": "Snellville",
        "branch_state": "GA",
        "branch_zip": "30078",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.lower.com/loan-officers/georgia/grayson-ga/nick-morrone",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/georgia/grayson-ga/nick-morrone",
        "verified_at": "2026-10-10"
      }
    ],
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      {
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        "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/georgia/grayson-ga/nick-morrone",
        "verified_at": "2026-10-10",
        "confidence": "lender_reported"
      }
    ],
    "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-morrone-331b63173",
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/georgia/grayson-ga/nick-morrone",
        "verified_at": "2026-10-10"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "service_area",
        "value": "Georgia",
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/georgia/grayson-ga/nick-morrone",
        "verified_at": "2026-10-10"
      },
      {
        "kind": "other",
        "value": "Helped more than 400 families purchase or refinance their homes",
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/georgia/grayson-ga/nick-morrone",
        "verified_at": "2026-10-10"
      }
    ],
    "last_verified_at": "2026-10-10",
    "updated_at": "2026-10-11 02:19:35.464202+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/nick-morrone-1795139#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/georgia/grayson-ga/nick-morrone",
      "verified_at": "2026-10-10"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}