---
canonical_url: https://lendb.ai/lo/kammey-carouthers-2044775
json_url: https://lendb.ai/lo/kammey-carouthers-2044775.json
nmls_id: 2044775
last_verified: 2026-10-09
---

# Kammey Carouthers

Mortgage Advisor at Xpert Home Lending. NMLS ID 2044775 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2044775)).

**Summary:** Kammey Carouthers (NMLS 2044775) is Mortgage Advisor at Xpert Home Lending. Licensed in Colorado, confirmed with the state regulator (license 100543368). Also lists Texas on the lender page (not yet checked with the state regulator). Earliest state license record: October 1, 2025 (Colorado), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: October 1, 2025 (Colorado), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Colorado (CO, confirmed), Texas (TX, 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

Kammey has a background in real estate and mortgage lending. She is known for being approachable, honest, and genuinely invested in understanding each client's unique situation to find tailored mortgage solutions.

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

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CO | state_license | 100543368 | active | confirmed | 2025-10-01 | state_regulator | 2026-10-10 |
| TX | 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/kammey-carouthers, 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/2044775

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/kammey-carouthers
- Office phone on file: shown at https://lendb.ai/lo/kammey-carouthers-2044775#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2044775
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=345934&contact=580338
- lender_site: https://xperthomelending.com/loan-directory/kammey-carouthers

Cite as: Kammey Carouthers (NMLS 2044775), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/kammey-carouthers-2044775, last verified 2026-10-09.

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