--- canonical_url: https://lendb.ai/lo/zachary-mick-1715872 json_url: https://lendb.ai/lo/zachary-mick-1715872.json nmls_id: 1715872 last_verified: 2026-10-15 --- # Zach Mick Sr. Loan Officer at Lower, Bonita Springs, FL. NMLS ID 1715872 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1715872)). **Summary:** Zach Mick (NMLS 1715872) is Sr. Loan Officer at Lower, based in Bonita Springs, FL. Licensed in 2 states confirmed with state regulators: Florida and Texas. Also lists Arizona, Georgia, Illinois, Michigan, North Carolina, New Hampshire, Ohio, South Carolina and 1 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: April 5, 2018 (Florida), per state regulator. Last verified 2026-10-15. ## At a glance - Earliest state license record: April 5, 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), Arizona (AZ, lender_reported), Georgia (GA, lender_reported), Illinois (IL, lender_reported), Michigan (MI, lender_reported), North Carolina (NC, lender_reported), New Hampshire (NH, lender_reported), Ohio (OH, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, lender_reported), Texas (TX, confirmed) - 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 Zach is based in Bonita Springs and serves clients across Florida, including Naples, Fort Myers, Estero and Cape Coral. They emphasize clear communication and helping clients understand the numbers before deciding. Source: LenDb summary of the lender page, verified 2026-10-10. ## Facts from the lender page and intro - service_area: Bonita Springs, Naples, Fort Myers, Estero, Cape Coral. Source: https://www.lower.com/loan-officers/florida/bonita-springs/zach-mick, verified 2026-10-10. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO52319 | active | confirmed | 2018-04-05 | state_regulator | 2026-10-15 | | AZ | 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 | | IL | 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 | | NC | 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 | | OH | 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 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-10 | | TX | state_license | n/a | active | confirmed | 2026-09-22 | state_regulator | 2026-10-13 | ## Employment history - ? to present: Lower (NMLS 1124061), Bonita Springs, FL. Source: https://www.lower.com/loan-officers/florida/bonita-springs/zach-mick, 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/1715872 ## Contact - linkedin_url: https://www.linkedin.com/in/zach-mick-091126114 (source: lender_site, verified 2026-10-10) - View profile at Lower: https://www.lower.com/loan-officers/florida/bonita-springs/zach-mick - Email on file: shown at https://lendb.ai/lo/zachary-mick-1715872#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1715872 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - lender_site: https://www.lower.com/loan-officers/florida/bonita-springs/zach-mick - 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: Zach Mick (NMLS 1715872), Lower. LenDb.ai, https://lendb.ai/lo/zachary-mick-1715872, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._