---
canonical_url: https://lendb.ai/lo/dane-costa-787138
json_url: https://lendb.ai/lo/dane-costa-787138.json
nmls_id: 787138
last_verified: 2026-10-09
---

# Dane Costa

Loan Officer at Xpert Home Lending, HI. NMLS ID 787138 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/787138)).

**Summary:** Dane Costa (NMLS 787138) is Loan Officer at Xpert Home Lending, based in Hawaii. Lists Hawaii on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer, Real estate investor, VA loan, Asset-based qualifying and Bank statement loan. States 11 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Years experience (stated by the LO): 11 (source: https://xperthomelending.com/loan-directory/dane-costa, verified 2026-10-09)
- Licensed in: Hawaii (HI, 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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/dane-costa
- **Real estate investor** (`investor`): lender page, confidence 0.90, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/dane-costa
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/dane-costa
- **Asset-based qualifying** (`asset-based`): lender page, confidence 0.50, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/dane-costa
- **Bank statement loan** (`bank-statement`): lender page, confidence 0.50, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/dane-costa
- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.50, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/dane-costa
- **DSCR loan** (`dscr`): lender page, confidence 0.50, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/dane-costa
- **FHA loan** (`fha`): lender page, confidence 0.50, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/dane-costa
- **HELOC** (`heloc`): lender page, confidence 0.50, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/dane-costa
- **ITIN borrower** (`itin`): lender page, confidence 0.50, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/dane-costa
- **Jumbo loan** (`jumbo`): lender page, confidence 0.50, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/dane-costa
- **Non-QM loan** (`non-qm`): lender page, confidence 0.50, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/dane-costa
- **Reverse mortgage** (`reverse`): lender page, confidence 0.50, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/dane-costa
- **USDA loan** (`usda`): lender page, confidence 0.50, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/dane-costa

## About

Dane Costa worked in banking for 5 years before becoming a loan officer in 2013, with 6+ years of mortgage experience. They specialize in helping first-time homebuyers, veterans, and real estate investors, and now operate as an independent broker matching borrowers with ideal lenders.

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

## Facts from the lender page and intro

- years_experience: 11. Source: https://xperthomelending.com/loan-directory/dane-costa, verified 2026-10-09.
- role: independent mortgage broker. Source: https://xperthomelending.com/loan-directory/dane-costa, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: Xpert Home Lending (NMLS 2179191), HI. Source: https://xperthomelending.com/loan-directory/dane-costa, 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/787138

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/dane-costa
- Office phone and Email on file: shown at https://lendb.ai/lo/dane-costa-787138#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/787138
- lender_site: https://xperthomelending.com/loan-directory/dane-costa

Cite as: Dane Costa (NMLS 787138), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/dane-costa-787138, last verified 2026-10-09.

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