---
canonical_url: https://lendb.ai/lo/kimberly-martinez-bartholow-2058416
json_url: https://lendb.ai/lo/kimberly-martinez-bartholow-2058416.json
nmls_id: 2058416
last_verified: 2026-10-09
---

# Kimberly Martinez-Bartholow

Loan Officer at Xpert Home Lending. NMLS ID 2058416 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2058416)).

**Summary:** Kimberly Martinez-Bartholow (NMLS 2058416) is Loan Officer at Xpert Home Lending. Licensed in Florida, confirmed with the state regulator (license LO122368). Also lists Arizona, California, Nevada, Oregon, Utah and Washington on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. Earliest state license record: August 17, 2023 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: August 17, 2023 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Arizona (AZ, lender_reported), California (CA, lender_reported), Nevada (NV, lender_reported), Oregon (OR, lender_reported), Utah (UT, lender_reported), Washington (WA, 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/kimberly-martinez-bartholow

## About

Kimberly Martinez-Bartholow is a dedicated mortgage loan officer experienced in a wide variety of loan programs, especially passionate about helping first-time homebuyers confidently navigate homeownership across 7 states.

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

## Facts from the lender page and intro

- service_area: AZ, CA, FL, NV, OR, UT, WA. Source: https://xperthomelending.com/loan-directory/kimberly-martinez-bartholow, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO122368 | active | confirmed | 2023-08-17 | state_regulator | 2026-10-09 |
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NV | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OR | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| UT | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WA | 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/kimberly-martinez-bartholow, 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/2058416

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/kimberly-martinez-bartholow
- Office phone and Email on file: shown at https://lendb.ai/lo/kimberly-martinez-bartholow-2058416#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2058416
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://xperthomelending.com/loan-directory/kimberly-martinez-bartholow

Cite as: Kimberly Martinez-Bartholow (NMLS 2058416), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/kimberly-martinez-bartholow-2058416, last verified 2026-10-09.

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