---
canonical_url: https://lendb.ai/lo/timothy-szumigala-344571
json_url: https://lendb.ai/lo/timothy-szumigala-344571.json
nmls_id: 344571
last_verified: 2026-10-10
---

# Tim Szumigala

VP of Lending at Lower, Tampa, FL. NMLS ID 344571 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/344571)).

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

## At a glance

- Earliest state license record: February 19, 2014 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 21 (source: https://www.lower.com/loan-officers/florida/tampa/tim-szumigala, verified 2026-10-10)
- Licensed in: Florida (FL, confirmed), Georgia (GA, lender_reported), Idaho (ID, lender_reported), Michigan (MI, lender_reported), Minnesota (MN, lender_reported), Tennessee (TN, lender_reported), Virginia (VA, lender_reported), Wyoming (WY, 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

- **Asset-based qualifying** (`asset-based`): lender page, confidence 0.80, verified 2026-10-10. Source: https://www.lower.com/loan-officers/florida/tampa/tim-szumigala

## About

Mortgage professional with over 21 years of experience, serving as a branch manager and focusing on creative financing such as asset depletion loans.

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

## Facts from the lender page and intro

- years_experience: 21. Source: https://www.lower.com/loan-officers/florida/tampa/tim-szumigala, verified 2026-10-10.
- role: Branch Manager. Source: https://www.lower.com/loan-officers/florida/tampa/tim-szumigala, verified 2026-10-10.
- credential: Multiple-time President's Club honoree. Source: https://www.lower.com/loan-officers/florida/tampa/tim-szumigala, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO23541 | active | confirmed | 2014-02-19 | state_regulator | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| ID | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| MI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| MN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| TN | 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 |
| WY | 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/tim-szumigala, 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/344571

## Contact

- View profile at Lower: https://www.lower.com/loan-officers/florida/tampa/tim-szumigala
- Email on file: shown at https://lendb.ai/lo/timothy-szumigala-344571#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/344571
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.lower.com/loan-officers/florida/tampa/tim-szumigala

Cite as: Tim Szumigala (NMLS 344571), Lower. LenDb.ai, https://lendb.ai/lo/timothy-szumigala-344571, last verified 2026-10-10.

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