---
canonical_url: https://lendb.ai/lo/chloe-phannenstiel-2123399
json_url: https://lendb.ai/lo/chloe-phannenstiel-2123399.json
nmls_id: 2123399
last_verified: 2026-10-09
---

# Chloe Phannenstiel

Loan Officer at Xpert Home Lending, CO. NMLS ID 2123399 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2123399)).

**Summary:** Chloe Phannenstiel (NMLS 2123399) is Loan Officer at Xpert Home Lending, based in Colorado. Licensed in Colorado, confirmed with the state regulator (license 100533755). Licensed since 2022 (per Colorado records). States 4 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2022 (per Colorado records). This is license history on file, not total experience.
- Years experience (stated by the LO): 4 (source: https://xperthomelending.com/loan-directory/chloe-phannenstiel, 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

Chloe has four years of mortgage industry experience and graduated from Colorado State University with a degree in Business Finance with a Real Estate concentration. Based in Colorado, she focuses on helping local residents achieve homeownership.

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

## Facts from the lender page and intro

- years_experience: 4. Source: https://xperthomelending.com/loan-directory/chloe-phannenstiel, verified 2026-10-09.
- education: Colorado State University, Business Finance with Real Estate concentration. Source: https://xperthomelending.com/loan-directory/chloe-phannenstiel, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CO | state_license | 100533755 | active | confirmed | 2022-07-07 | state_regulator | 2026-10-10 |

## Employment history

- ? to present: Xpert Home Lending (NMLS 2179191), CO. Source: https://xperthomelending.com/loan-directory/chloe-phannenstiel, 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/2123399

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/chloe-phannenstiel
- Office phone on file: shown at https://lendb.ai/lo/chloe-phannenstiel-2123399#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2123399
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=303357&contact=530371
- lender_site: https://xperthomelending.com/loan-directory/chloe-phannenstiel

Cite as: Chloe Phannenstiel (NMLS 2123399), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/chloe-phannenstiel-2123399, last verified 2026-10-09.

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