---
canonical_url: https://lendb.ai/lo/cay-stull-257376
json_url: https://lendb.ai/lo/cay-stull-257376.json
nmls_id: 257376
last_verified: 2026-10-09
---

# Cay Stull

Sr. Loan Officer at Highlands Residential Mortgage, Englewood, CO. NMLS ID 257376 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/257376)).

**Summary:** Cay Stull (NMLS 257376) is Sr. Loan Officer at Highlands Residential Mortgage, based in Englewood, CO. Licensed in Colorado, confirmed with the state regulator (license 100023521). Earliest state license record: February 29, 2008 (Colorado), per state regulator. States 45 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: February 29, 2008 (Colorado), 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): 45 (source: https://www.highlandsmortgage.com/agents/cay-stull/, verified 2026-10-09)
- Licensed in: Colorado (CO, confirmed)
- 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


## About

Loan officer with over 45 years in residential mortgage lending. Cay specializes in efficient loan processing as a direct lender.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 45. Source: https://www.highlandsmortgage.com/agents/cay-stull/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CO | state_license | 100023521 | active | confirmed | 2008-02-29 | state_regulator | 2026-10-10 |

## Employment history

- ? to present: Highlands Residential Mortgage (NMLS 134871), Englewood, CO. Source: https://www.highlandsmortgage.com/agents/cay-stull/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/257376

## Contact

- View profile at Highlands Residential Mortgage: https://www.highlandsmortgage.com/agents/cay-stull/
- Office phone and Email on file: shown at https://lendb.ai/lo/cay-stull-257376#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/257376
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=145881&contact=225944
- lender_site: https://www.highlandsmortgage.com/agents/cay-stull/

Cite as: Cay Stull (NMLS 257376), Highlands Residential Mortgage. LenDb.ai, https://lendb.ai/lo/cay-stull-257376, last verified 2026-10-09.

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