---
canonical_url: https://lendb.ai/lo/ryan-zilly-2646767
json_url: https://lendb.ai/lo/ryan-zilly-2646767.json
nmls_id: 2646767
last_verified: 2026-10-15
---

# Ryan Zilly

Loan Officer at Lower, Tampa, FL. NMLS ID 2646767 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2646767)).

**Summary:** 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 2026-10-15.

## At a glance

- Earliest state license record: February 13, 2025 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Maryland (MD, lender_reported), Virginia (VA, lender_reported)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- **VA loan** (`va`): from their lender profile page, confidence 0.90, verified 2026-10-10. Source: https://www.lower.com/loan-officers/florida/tampa/ryan-zilly

### Their lender offers (lender level: Lower's programs, not confirmed as this person's focus)

- **FHA loan** (`fha`): verified 2026-10-10. Source: https://www.lower.com
- **First-time buyer** (`first-time-buyer`): verified 2026-10-10. Source: https://www.lower.com
- **HELOC** (`heloc`): verified 2026-10-10. Source: https://www.lower.com
- **Real estate investor** (`investor`): verified 2026-10-10. Source: https://www.lower.com
- **Jumbo loan** (`jumbo`): verified 2026-10-10. Source: https://www.lower.com
- **Non-QM loan** (`non-qm`): verified 2026-10-10. Source: https://www.lower.com
- **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-10. Source: https://www.lower.com
- **USDA loan** (`usda`): verified 2026-10-10. Source: https://www.lower.com
- **Vacation home** (`vacation-home`): verified 2026-10-10. Source: https://www.lower.com

## 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.

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

## Facts from the lender page and intro

- role: Mortgage Advisor. Source: https://www.lower.com/loan-officers/florida/tampa/ryan-zilly, verified 2026-10-10.
- service_area: Tampa Bay, Pasco County, Hillsborough County, Pinellas County. Source: https://www.lower.com/loan-officers/florida/tampa/ryan-zilly, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO135423 | active | confirmed | 2025-02-13 | state_regulator | 2026-10-15 |
| MD | 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), Tampa, FL. Source: https://www.lower.com/loan-officers/florida/tampa/ryan-zilly, 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/2646767

## Contact

- linkedin_url: https://linkedin.com/in/ryan-zilly (source: lender_site, verified 2026-10-10)
- View profile at Lower: https://www.lower.com/loan-officers/florida/tampa/ryan-zilly
- Office phone and Email on file: shown at https://lendb.ai/lo/ryan-zilly-2646767#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2646767
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.lower.com/loan-officers/florida/tampa/ryan-zilly
- lender_site (lender programs): https://www.lower.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Ryan Zilly (NMLS 2646767), Lower. LenDb.ai, https://lendb.ai/lo/ryan-zilly-2646767, last verified 2026-10-15.

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