Ryan Zilly
Loan Officer at Lower · Tampa, FL
NMLS ID 2646767 (opens in a new tab) · verify at NMLS Consumer Access
Ryan Zilly (NMLS 2646767) is Loan Officer at Lower, based in Tampa, FL. Licensed in Florida, confirmed with the state regulator (license LO135423). Also lists Maryland and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: VA loan. Lower also offers FHA loan, First-time buyer, HELOC, Real estate investor and Jumbo loan and 4 more (a lender program, not confirmed as their own focus). Earliest state license record: February 13, 2025 (Florida), per state regulator.
Last verified . Sources: Lower (lower.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: February 13, 2025 (Florida), per state regulator
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 3 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Focus
Where we saw these: lower.com (opens in a new tab)
Their lender offers
FHA loan, First-time buyer, HELOC, Real estate investor, Jumbo loan, Non-QM loan, Renovation loan (203k / HomeStyle), USDA loan and Vacation home. Programs Lower offers (verified 2026-10-10). Lender-level: not confirmed as Ryan's own focus, so ask.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO135423, first effective 2025-02-13), verified 2026-10-15.
Lender-reported: MD, VA are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Lower NMLS 1124061
Current · Tampa, FL · seen on lender site 2026-10-10
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Ryan Zilly is a U.S. Navy veteran who specializes in VA home loan guidance for buyers and homeowners in Tampa Bay and surrounding Florida communities, and also serves clients in Virginia.
Our summary of the lender page. Verified 2026-10-10.
- Serves
- Tampa Bay, Pasco County, Hillsborough County, Pinellas County
- Source (opens in a new tab), verified 2026-10-10
Sources
| Name and employer | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-15 |
| Licensed states | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Specialties | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Lender programs | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Summary | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Contact | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Photo | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Ryan Zilly (NMLS 2646767), Lower. LenDb.ai, https://lendb.ai/lo/ryan-zilly-2646767, last verified 2026-10-15.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.