---
canonical_url: https://lendb.ai/lo/joe-jarock-393904
json_url: https://lendb.ai/lo/joe-jarock-393904.json
nmls_id: 393904
last_verified: 2026-10-09
---

# Joe Jarock

Loan Officer at Xpert Home Lending. NMLS ID 393904 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/393904)).

**Summary:** Joe Jarock (NMLS 393904) is Loan Officer at Xpert Home Lending. Licensed in Colorado, confirmed with the state regulator (license 100036693). Also lists California, Georgia and Indiana on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. Licensed since 2011 (per Colorado records). Last verified 2026-10-09.

## At a glance

- Licensed since 2011 (per Colorado records). This is license history on file, not total experience.
- Licensed in: California (CA, lender_reported), Colorado (CO, confirmed), Georgia (GA, lender_reported), Indiana (IN, 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/joe-jarock

## About

Dedicated mortgage expert specializing in first-time homebuyers. Experienced wholesale mortgage broker committed to securing the best rates and terms.

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

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CO | state_license | 100036693 | active | confirmed | 2011-08-22 | state_regulator | 2026-10-10 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| IN | 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-jarock, 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/393904

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/joe-jarock
- Office phone and Email on file: shown at https://lendb.ai/lo/joe-jarock-393904#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/393904
- lender_site: https://xperthomelending.com/loan-directory/joe-jarock
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=139262&contact=218167

Cite as: Joe Jarock (NMLS 393904), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/joe-jarock-393904, last verified 2026-10-09.

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