---
canonical_url: https://lendb.ai/lo/julio-a-villalobos-313049
json_url: https://lendb.ai/lo/julio-a-villalobos-313049.json
nmls_id: 313049
last_verified: 2026-10-09
---

# Julio A. Villalobos

Loan Officer at Xpert Home Lending, UT. NMLS ID 313049 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/313049)).

**Summary:** Julio A. Villalobos (NMLS 313049) is Loan Officer at Xpert Home Lending, based in Utah. Lists Utah on the lender page (not yet checked with the state regulator). Speaks Spanish. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Utah (UT, 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: Spanish
- Profile: unclaimed
- Status: active

## Specialties


## About

Julio Villalobos is a proud Latino loan officer with over 20 years of mortgage industry experience, focused on serving the Latino community and helping families achieve homeownership.

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

## Facts from the lender page and intro

- years_experience: 20+. Source: https://xperthomelending.com/loan-directory/julio-a-villalobos, verified 2026-10-09.
- community: Works extensively with the Latino community. Source: https://xperthomelending.com/loan-directory/julio-a-villalobos, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| UT | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Xpert Home Lending (NMLS 2179191), UT. Source: https://xperthomelending.com/loan-directory/julio-a-villalobos, 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/313049

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/julio-a-villalobos
- Office phone on file: shown at https://lendb.ai/lo/julio-a-villalobos-313049#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/313049
- lender_site: https://xperthomelending.com/loan-directory/julio-a-villalobos

Cite as: Julio A. Villalobos (NMLS 313049), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/julio-a-villalobos-313049, last verified 2026-10-09.

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