---
canonical_url: https://lendb.ai/lo/timothy-ryan-772455
json_url: https://lendb.ai/lo/timothy-ryan-772455.json
nmls_id: 772455
last_verified: 2026-10-10
---

# Tim Ryan

Reverse Mortgage Specialist at Lower, Maple Grove, MN. NMLS ID 772455 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/772455)).

**Summary:** Tim Ryan (NMLS 772455) is Reverse Mortgage Specialist at Lower, based in Maple Grove, MN. Lists Arizona, California and Nevada on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Reverse mortgage. Lower also offers FHA loan, First-time buyer, HELOC, Real estate investor and Jumbo loan and 5 more (a lender program, not confirmed as their own focus). Earliest state license record: March 19, 2021 (Florida), per state regulator. Last verified 2026-10-10.

## At a glance

- Earliest state license record: March 19, 2021 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Arizona (AZ, lender_reported), California (CA, lender_reported), Nevada (NV, 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)

- **Reverse mortgage** (`reverse`): from their lender profile page, confidence 0.90, verified 2026-10-10. Source: https://www.lower.com/loan-officers/minnesota/maple-grove/tim-ryan

### 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
- **VA loan** (`va`): verified 2026-10-10. Source: https://www.lower.com
- **Vacation home** (`vacation-home`): verified 2026-10-10. Source: https://www.lower.com

## About

Tim Ryan is a Reverse Mortgage Specialist in Maple Grove, Minnesota, who works with homeowners on reverse mortgage options tied to retirement and home equity goals.

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

## Facts from the lender page and intro

- service_area: Maple Grove, Minnesota. Source: https://www.lower.com/loan-officers/minnesota/maple-grove/tim-ryan, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO84293 | expired | confirmed | 2021-03-19 | state_regulator | 2026-10-15 |
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| NV | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Maple Grove, MN. Source: https://www.lower.com/loan-officers/minnesota/maple-grove/tim-ryan, 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/772455

## Contact

- View profile at Lower: https://www.lower.com/loan-officers/minnesota/maple-grove/tim-ryan
- Email on file: shown at https://lendb.ai/lo/timothy-ryan-772455#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/772455
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.lower.com/loan-officers/minnesota/maple-grove/tim-ryan
- lender_site (lender programs): https://www.lower.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Tim Ryan (NMLS 772455), Lower. LenDb.ai, https://lendb.ai/lo/timothy-ryan-772455, last verified 2026-10-10.

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