---
canonical_url: https://lendb.ai/lo/rachael-calk-2805062
json_url: https://lendb.ai/lo/rachael-calk-2805062.json
nmls_id: 2805062
last_verified: 2026-10-10
---

# Rachael Calk

Loan Officer at Lower, Hughes Springs, TX. NMLS ID 2805062 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2805062)).

**Summary:** Rachael Calk (NMLS 2805062) is Loan Officer at Lower, based in Hughes Springs, TX. Lists Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Self-employed. Last verified 2026-10-10.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: 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

- **Self-employed** (`self-employed`): lender page, confidence 0.75, verified 2026-10-10. Source: https://www.lower.com/loan-officers/texas/hughes-springs/rachael-calk

## About

Rachael is a Northeast Texas native who serves clients across Texas, with a focus on families in the greater San Antonio and Seguin areas. They have a particular interest in helping self-employed borrowers.

Source: LenDb summary of the lender page, verified 2026-10-10.

## Facts from the lender page and intro

- education: Stephen F. Austin State University graduate. Source: https://www.lower.com/loan-officers/texas/hughes-springs/rachael-calk, verified 2026-10-10.
- service_area: Texas statewide, with focus on greater San Antonio and Seguin areas. Source: https://www.lower.com/loan-officers/texas/hughes-springs/rachael-calk, verified 2026-10-10.
- community: Runs a local running store with husband; involved in running groups and local events. Source: https://www.lower.com/loan-officers/texas/hughes-springs/rachael-calk, verified 2026-10-10.
- other: More than eight years in quality assurance and compliance before mortgage. Source: https://www.lower.com/loan-officers/texas/hughes-springs/rachael-calk, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Hughes Springs, TX. Source: https://www.lower.com/loan-officers/texas/hughes-springs/rachael-calk, 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/2805062

## Contact

- linkedin_url: https://www.linkedin.com/in/rachael-calk/ (source: lender_site, verified 2026-10-10)
- View profile at Lower: https://www.lower.com/loan-officers/texas/hughes-springs/rachael-calk
- Email on file: shown at https://lendb.ai/lo/rachael-calk-2805062#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2805062
- lender_site: https://www.lower.com/loan-officers/texas/hughes-springs/rachael-calk

Cite as: Rachael Calk (NMLS 2805062), Lower. LenDb.ai, https://lendb.ai/lo/rachael-calk-2805062, last verified 2026-10-10.

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