--- canonical_url: https://lendb.ai/lo/nicolas-thomas-2750243 json_url: https://lendb.ai/lo/nicolas-thomas-2750243.json nmls_id: 2750243 last_verified: 2026-10-10 --- # Nico Thomas Executive Loan Officer at Lower, Columbus, OH. NMLS ID 2750243 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2750243)). **Summary:** Nico Thomas (NMLS 2750243) is Executive Loan Officer at Lower, based in Columbus, OH. Licensed in Florida, confirmed with the state regulator (license LO142165). Also lists Alaska, Arizona, California, Connecticut, Georgia, Idaho, Kentucky, Maryland and 8 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan, HELOC and VA loan. Licensed since 2025 (per Florida records). Last verified 2026-10-10. ## At a glance - Licensed since 2025 (per Florida records). This is license history on file, not total experience. - Licensed in: Florida (FL, confirmed), Alaska (AK, lender_reported), Arizona (AZ, lender_reported), California (CA, lender_reported), Connecticut (CT, lender_reported), Georgia (GA, lender_reported), Idaho (ID, lender_reported), Kentucky (KY, lender_reported), Maryland (MD, lender_reported), Mississippi (MS, lender_reported), North Carolina (NC, lender_reported), New Jersey (NJ, lender_reported), Ohio (OH, lender_reported), Pennsylvania (PA, lender_reported), South Carolina (SC, lender_reported), Texas (TX, lender_reported), Virginia (VA, 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 0.60, verified 2026-10-10. Source: https://www.lower.com/loan-officers/ohio/columbus/nico-thomas - **HELOC** (`heloc`): lender page, confidence 0.60, verified 2026-10-10. Source: https://www.lower.com/loan-officers/ohio/columbus/nico-thomas - **VA loan** (`va`): lender page, confidence 0.60, verified 2026-10-10. Source: https://www.lower.com/loan-officers/ohio/columbus/nico-thomas ## About Says they specialize in FHA, VA, conventional and home equity loans. Focuses on helping clients make confident, transparent mortgage decisions toward their financial goals. Source: LenDb summary of the lender page, verified 2026-10-10. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO142165 | active | confirmed | 2025-10-27 | state_regulator | 2026-10-09 | | AK | 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 | | CT | 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 | | ID | 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 | | MD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MS | 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 | | 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 | | 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 | | TX | 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 | ## Employment history - ? to present: Lower (NMLS 1124061), Columbus, OH. Source: https://www.lower.com/loan-officers/ohio/columbus/nico-thomas, 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/2750243 ## Contact - linkedin_url: https://www.linkedin.com/in/nicothomas1/ (source: lender_site, verified 2026-10-10) - View profile at Lower: https://www.lower.com/loan-officers/ohio/columbus/nico-thomas - Email on file: shown at https://lendb.ai/lo/nicolas-thomas-2750243#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2750243 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip - lender_site: https://www.lower.com/loan-officers/ohio/columbus/nico-thomas Cite as: Nico Thomas (NMLS 2750243), Lower. LenDb.ai, https://lendb.ai/lo/nicolas-thomas-2750243, last verified 2026-10-10. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._