---
canonical_url: https://lendb.ai/lo/debbie-laney-228108
json_url: https://lendb.ai/lo/debbie-laney-228108.json
nmls_id: 228108
last_verified: 2026-10-09
---

# Debbie Laney

Loan Officer at Xpert Home Lending, CO. NMLS ID 228108 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/228108)).

**Summary:** Debbie Laney (NMLS 228108) is Loan Officer at Xpert Home Lending, based in Colorado. Licensed in Colorado, confirmed with the state regulator (license 100011043). Focus areas shown on the lender page: FHA loan, Jumbo loan and VA loan. Licensed since 2006 (per Colorado records). Last verified 2026-10-09.

## At a glance

- Licensed since 2006 (per Colorado records). This is license history on file, not total experience.
- 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

- **FHA loan** (`fha`): lender page, confidence 0.70, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/debbie-laney
- **Jumbo loan** (`jumbo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/debbie-laney
- **VA loan** (`va`): lender page, confidence 0.70, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/debbie-laney

## About

Debbie has 30+ years in mortgage industry with deep focus on serving military families and active-duty service members. Specializes in VA, conventional, FHA, jumbo loans and refinancing.

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

## Facts from the lender page and intro

- years_experience: 30+. Source: https://xperthomelending.com/loan-directory/debbie-laney, verified 2026-10-09.
- community: Supports military community and serves active-duty service members, veterans, and their families. Source: https://xperthomelending.com/loan-directory/debbie-laney, verified 2026-10-09.
- service_area: CO. Source: https://xperthomelending.com/loan-directory/debbie-laney, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CO | state_license | 100011043 | active | confirmed | 2006-12-26 | state_regulator | 2026-10-10 |

## Employment history

- ? to present: Xpert Home Lending (NMLS 2179191), CO. Source: https://xperthomelending.com/loan-directory/debbie-laney, 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/228108

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/debbie-laney
- Office phone on file: shown at https://lendb.ai/lo/debbie-laney-228108#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/228108
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=148225&contact=275359
- lender_site: https://xperthomelending.com/loan-directory/debbie-laney

Cite as: Debbie Laney (NMLS 228108), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/debbie-laney-228108, last verified 2026-10-09.

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