---
canonical_url: https://lendb.ai/lo/joe-bowers-511139
json_url: https://lendb.ai/lo/joe-bowers-511139.json
nmls_id: 511139
last_verified: 2026-10-09
---

# Joe Bowers

Loan Officer at Xpert Home Lending. NMLS ID 511139 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/511139)).

**Summary:** Joe Bowers (NMLS 511139) is Loan Officer at Xpert Home Lending. Licensed in Colorado, confirmed with the state regulator (license 100041366). Also lists Arizona, Kansas and Wyoming on the lender page (not yet checked with the state regulator). Licensed since 2012 (per Colorado records). Last verified 2026-10-09.

## At a glance

- Licensed since 2012 (per Colorado records). This is license history on file, not total experience.
- Licensed in: Arizona (AZ, lender_reported), Colorado (CO, confirmed), Kansas (KS, lender_reported), Wyoming (WY, 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

Joe has 27+ years of mortgage experience with a degree in Finance and certifications in Colorado and Arizona mortgages.

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

## Facts from the lender page and intro

- years_experience: 27+. Source: https://xperthomelending.com/loan-directory/joe-bowers, verified 2026-10-09.
- education: degree in Finance. Source: https://xperthomelending.com/loan-directory/joe-bowers, verified 2026-10-09.
- credential: certification in Colorado and Arizona mortgages. Source: https://xperthomelending.com/loan-directory/joe-bowers, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CO | state_license | 100041366 | active | confirmed | 2012-11-21 | state_regulator | 2026-10-10 |
| KS | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WY | 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/joe-bowers, 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/511139

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/joe-bowers
- Office phone and Email on file: shown at https://lendb.ai/lo/joe-bowers-511139#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/511139
- lender_site: https://xperthomelending.com/loan-directory/joe-bowers
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=144906&contact=248617

Cite as: Joe Bowers (NMLS 511139), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/joe-bowers-511139, last verified 2026-10-09.

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