---
canonical_url: https://lendb.ai/lo/charles-mcculloch-1281536
json_url: https://lendb.ai/lo/charles-mcculloch-1281536.json
nmls_id: 1281536
last_verified: 2026-10-09
---

# Charles McCulloch

Mortgage Advisor at Xpert Home Lending. NMLS ID 1281536 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1281536)).

**Summary:** Charles McCulloch (NMLS 1281536) is Mortgage Advisor at Xpert Home Lending. Lists Texas on the lender page (not yet checked with the state regulator). Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Texas (TX, 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


## About

Charles has extensive coaching experience (Varsity Football, Volleyball, Basketball, Track & Cross-Country) and transitioned to coaching adults in sales. He leads the Waco, Texas team and manages 18+ acres with family.

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

## Facts from the lender page and intro

- service_area: TX. Source: https://xperthomelending.com/loan-directory/charles-mcculloch, verified 2026-10-09.
- role: Team leader in Waco, Texas. Source: https://xperthomelending.com/loan-directory/charles-mcculloch, verified 2026-10-09.
- credential: Varsity coach for Football, Volleyball, Basketball, Track & Cross-Country. Source: https://xperthomelending.com/loan-directory/charles-mcculloch, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Xpert Home Lending (NMLS 2179191). Source: https://xperthomelending.com/loan-directory/charles-mcculloch, 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/1281536

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/charles-mcculloch
- Office phone on file: shown at https://lendb.ai/lo/charles-mcculloch-1281536#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1281536
- lender_site: https://xperthomelending.com/loan-directory/charles-mcculloch

Cite as: Charles McCulloch (NMLS 1281536), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/charles-mcculloch-1281536, last verified 2026-10-09.

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