---
canonical_url: https://lendb.ai/lo/keith-smith-903855
json_url: https://lendb.ai/lo/keith-smith-903855.json
nmls_id: 903855
last_verified: 2026-10-09
---

# Keith Smith

Loan Officer at Xpert Home Lending. NMLS ID 903855 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/903855)).

**Summary:** Keith Smith (NMLS 903855) is Loan Officer at Xpert Home Lending. Licensed in 2 states confirmed with state regulators: Colorado and Pennsylvania. Focus areas shown on the lender page: Real estate investor. Licensed since 2009 (per Colorado records). States 25 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2009 (per Colorado records). This is license history on file, not total experience.
- Years experience (stated by the LO): 25 (source: https://xperthomelending.com/loan-directory/keith-smith, verified 2026-10-09)
- Licensed in: Colorado (CO, confirmed), Pennsylvania (PA, 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

- **Real estate investor** (`investor`): lender page, confidence 0.90, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/keith-smith

## About

Keith has 25+ years in mortgage and 35 years in financial services. He specializes in purchase and refinance transactions, works with investors and multiple property owners, and offers conventional, FHA, VA, USDA, reverse mortgage, and jumbo products.

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

## Facts from the lender page and intro

- years_experience: 25. Source: https://xperthomelending.com/loan-directory/keith-smith, verified 2026-10-09.
- years_experience: 35. Source: https://xperthomelending.com/loan-directory/keith-smith, verified 2026-10-09.
- credential: Numerous Mortgage certifications since 2000. Source: https://xperthomelending.com/loan-directory/keith-smith, verified 2026-10-09.
- service_area: Colorado and Pennsylvania. Source: https://xperthomelending.com/loan-directory/keith-smith, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO55168 | expired | confirmed | 2018-07-26 | state_regulator | 2026-10-09 |
| CO | state_license | 100027557 | active | confirmed | 2009-02-05 | state_regulator | 2026-10-09 |
| PA | state_license | 122778 | active | confirmed |  | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Xpert Home Lending (NMLS 2179191). Source: https://xperthomelending.com/loan-directory/keith-smith, 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/903855

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/keith-smith
- Office phone on file: shown at https://lendb.ai/lo/keith-smith-903855#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/903855
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=140162&contact=364328
- state_regulator: https://data.pa.gov/d/tyxc-jyug
- lender_site: https://xperthomelending.com/loan-directory/keith-smith

Cite as: Keith Smith (NMLS 903855), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/keith-smith-903855, last verified 2026-10-09.

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