Tim Szumigala
VP of Lending at Lower · Tampa, FL
NMLS ID 344571 (opens in a new tab) · verify at NMLS Consumer Access
Tim Szumigala (NMLS 344571) is VP of Lending at Lower, based in Tampa, FL. Licensed in Florida, confirmed with the state regulator (license LO23541). Also lists Georgia, Idaho, Michigan, Minnesota, Tennessee, Virginia and Wyoming on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Asset-based qualifying. Earliest state license record: February 19, 2014 (Florida), per state regulator. States 21 years of experience.
Last verified . Sources: Lower (lower.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: February 19, 2014 (Florida), per state regulator
- 21 years experience (stated)
- 8 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Where we saw these: lower.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
Florida, Georgia, Idaho, Michigan, Minnesota, Tennessee, Virginia, Wyoming
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO23541, first effective 2014-02-19), verified 2026-10-09.
Lender-reported: GA, ID, MI, MN, TN, VA, WY 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
Mortgage professional with over 21 years of experience, serving as a branch manager and focusing on creative financing such as asset depletion loans.
Our summary of the lender page. 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 2026-10-09 |
| 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 |
| 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: Tim Szumigala (NMLS 344571), Lower. LenDb.ai, https://lendb.ai/lo/timothy-szumigala-344571, last verified 2026-10-10.
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