---
canonical_url: https://lendb.ai/lo/patrick-borovay-243112
json_url: https://lendb.ai/lo/patrick-borovay-243112.json
nmls_id: 243112
last_verified: 2026-10-10
---

# Patrick Borovay

Branch Manager, VP at Lower, Richardson, TX. NMLS ID 243112 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/243112)).

**Summary:** Patrick Borovay (NMLS 243112) is Branch Manager, VP at Lower, based in Richardson, TX. Lists North Carolina and Texas on the lender page (not yet checked with the state regulator). Earliest state license record: May 2, 2018 (Florida), per state regulator. Last verified 2026-10-10.

## At a glance

- Earliest state license record: May 2, 2018 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: North Carolina (NC, lender_reported), Texas (TX, 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


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO53106 | expired | confirmed | 2018-05-02 | state_regulator | 2026-10-09 |
| NC | 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 |

## Employment history

- ? to present: Lower (NMLS 1124061), Richardson, TX. Source: https://www.lower.com/loan-officers/texas/richardson/patrick-borovay, 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/243112

## Contact

- View profile at Lower: https://www.lower.com/loan-officers/texas/richardson/patrick-borovay
- Office phone and Email on file: shown at https://lendb.ai/lo/patrick-borovay-243112#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/243112
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.lower.com/loan-officers/texas/richardson/patrick-borovay

Cite as: Patrick Borovay (NMLS 243112), Lower. LenDb.ai, https://lendb.ai/lo/patrick-borovay-243112, last verified 2026-10-10.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._