---
canonical_url: https://lendb.ai/lo/darrell-gargala-853705
json_url: https://lendb.ai/lo/darrell-gargala-853705.json
nmls_id: 853705
last_verified: 2026-10-09
---

# Darrell Gargala

Loan Officer at Xpert Home Lending. NMLS ID 853705 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/853705)).

**Summary:** Darrell Gargala (NMLS 853705) is Loan Officer at Xpert Home Lending. Licensed in 2 states confirmed with state regulators: Florida and Colorado. Also lists California and Oklahoma on the lender page (not yet checked with the state regulator). Earliest state license record: January 22, 2016 (Colorado), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: January 22, 2016 (Colorado), 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), Colorado (CO, confirmed), California (CA, lender_reported), Oklahoma (OK, 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


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO122904 | active | confirmed | 2023-09-12 | state_regulator | 2026-10-09 |
| CO | state_license | 100501266 | active | confirmed | 2016-01-22 | state_regulator | 2026-10-10 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OK | 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/darrell-gargala, 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/853705

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/darrell-gargala
- Office phone on file: shown at https://lendb.ai/lo/darrell-gargala-853705#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/853705
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=172170&contact=212879
- lender_site: https://xperthomelending.com/loan-directory/darrell-gargala

Cite as: Darrell Gargala (NMLS 853705), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/darrell-gargala-853705, last verified 2026-10-09.

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