---
canonical_url: https://lendb.ai/lo/stephen-gowen-160949
json_url: https://lendb.ai/lo/stephen-gowen-160949.json
nmls_id: 160949
last_verified: 2026-10-10
---

# Stephen Gowen

Area Sales Manager at Lower, Duluth, GA. NMLS ID 160949 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/160949)).

**Summary:** Stephen Gowen (NMLS 160949) is Area Sales Manager at Lower, based in Duluth, GA. Lists Alabama and Georgia on the lender page (not yet checked with the state regulator). Last verified 2026-10-10.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: Alabama (AL, lender_reported), Georgia (GA, 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


## About

Stephen is an area sales manager in Duluth, Georgia, who says they know the Metro Atlanta real estate market well. They guide clients from initial pre-approval through closing.

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

## Facts from the lender page and intro

- service_area: Metro Atlanta. Source: https://www.lower.com/loan-officers/georgia/duluth/stephen-gowen, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| AL | 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 |

## Employment history

- ? to present: Lower (NMLS 1124061), Duluth, GA. Source: https://www.lower.com/loan-officers/georgia/duluth/stephen-gowen, 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/160949

## Contact

- linkedin_url: https://www.linkedin.com/in/stephengowen/ (source: lender_site, verified 2026-10-10)
- View profile at Lower: https://www.lower.com/loan-officers/georgia/duluth/stephen-gowen
- Office phone and Email on file: shown at https://lendb.ai/lo/stephen-gowen-160949#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/160949
- lender_site: https://www.lower.com/loan-officers/georgia/duluth/stephen-gowen

Cite as: Stephen Gowen (NMLS 160949), Lower. LenDb.ai, https://lendb.ai/lo/stephen-gowen-160949, last verified 2026-10-10.

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