--- canonical_url: https://lendb.ai/lo/troy-mlenar-332291 json_url: https://lendb.ai/lo/troy-mlenar-332291.json nmls_id: 332291 last_verified: 2026-10-15 --- # Troy Mlenar Regional Manager at Lower, Maple Grove, MN. NMLS ID 332291 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/332291)). **Summary:** Troy Mlenar (NMLS 332291) is Regional Manager at Lower, based in Maple Grove, MN. Licensed in 3 states confirmed with state regulators: Florida, Louisiana and Texas. Also lists Alabama, Arizona, California, Colorado, Georgia, Iowa, Idaho, Illinois and 16 more on the lender page (not yet checked with the state regulator). 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 2, 2018 (Florida), per state regulator. Last verified 2026-10-15. ## At a glance - Earliest state license record: March 2, 2018 (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), Alabama (AL, lender_reported), Arizona (AZ, lender_reported), California (CA, lender_reported), Colorado (CO, lender_reported), Georgia (GA, lender_reported), Iowa (IA, lender_reported), Idaho (ID, lender_reported), Illinois (IL, lender_reported), Louisiana (LA, confirmed), Michigan (MI, lender_reported), Minnesota (MN, lender_reported), Missouri (MO, lender_reported), Mississippi (MS, lender_reported), North Carolina (NC, lender_reported), North Dakota (ND, lender_reported), New Hampshire (NH, lender_reported), New Mexico (NM, lender_reported), Nevada (NV, lender_reported), South Carolina (SC, lender_reported), South Dakota (SD, lender_reported), Tennessee (TN, lender_reported), Texas (TX, confirmed), Virginia (VA, lender_reported), Washington (WA, lender_reported), Wisconsin (WI, lender_reported), West Virginia (WV, 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) - None on file yet. ### 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 Troy Mlenar has been in mortgage lending since 1996 and says they ranked in the top 1% of U.S. mortgage originators for the past 20 years. Source: LenDb summary of the lender page, verified 2026-10-10. ## Facts from the lender page and intro - years_experience: since 1996. Source: https://www.lower.com/loan-officers/minnesota/maple-grove/troy-mlenar, verified 2026-10-10. - credential: Ranked in top 1% of mortgage originators nationally for the past 20 years. Source: https://www.lower.com/loan-officers/minnesota/maple-grove/troy-mlenar, verified 2026-10-10. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO51191 | active | confirmed | 2018-03-02 | state_regulator | 2026-10-15 | | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | 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 | | CO | 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 | | IA | 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 | | IL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | LA | state_license | n/a | active | confirmed | | state_regulator | 2026-10-15 | | 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 | | MO | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | MS | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | NC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | ND | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | NH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | NM | 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 | | SC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | SD | 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 | | TX | state_license | n/a | active | confirmed | 2020-05-16 | state_regulator | 2026-10-13 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | WI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | WV | 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/troy-mlenar, 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/332291 ## Contact - linkedin_url: https://www.linkedin.com/in/troymlenar/ (source: lender_site, verified 2026-10-10) - View profile at Lower: https://www.lower.com/loan-officers/minnesota/maple-grove/troy-mlenar - Office phone and Email on file: shown at https://lendb.ai/lo/troy-mlenar-332291#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/332291 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - lender_site: https://www.lower.com/loan-officers/minnesota/maple-grove/troy-mlenar - state_regulator: https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/ - state_regulator: https://www.sml.texas.gov/ - lender_site (lender programs): https://www.lower.com - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Troy Mlenar (NMLS 332291), Lower. LenDb.ai, https://lendb.ai/lo/troy-mlenar-332291, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._