---
canonical_url: https://lendb.ai/lo/david-stephenson-181057
json_url: https://lendb.ai/lo/david-stephenson-181057.json
nmls_id: 181057
last_verified: 2026-10-09
---

# David Stephenson

Owner - Sr. Mortgage Advisor at Xpert Home Lending. NMLS ID 181057 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/181057)).

**Summary:** David Stephenson (NMLS 181057) is Owner - Sr. Mortgage Advisor at Xpert Home Lending. Lists Colorado on the lender page (not yet checked with the state regulator). States 28 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): 28 (source: https://xperthomelending.com/loan-directory/david-stephenson, verified 2026-10-09)
- Licensed in: Colorado (CO, 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

David Stephenson is a Loveland native with 28 years in the mortgage industry, committed to providing personalized lending solutions and exceptional service to help clients achieve homeownership goals.

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

## Facts from the lender page and intro

- years_experience: 28. Source: https://xperthomelending.com/loan-directory/david-stephenson, verified 2026-10-09.
- role: Owner of Northern Colorado Mortgage Company. Source: https://xperthomelending.com/loan-directory/david-stephenson, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CO | 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/david-stephenson, 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/181057

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/david-stephenson
- Office phone and Email on file: shown at https://lendb.ai/lo/david-stephenson-181057#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/181057
- lender_site: https://xperthomelending.com/loan-directory/david-stephenson

Cite as: David Stephenson (NMLS 181057), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/david-stephenson-181057, last verified 2026-10-09.

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