---
canonical_url: https://lendb.ai/lo/mitch-gardner-322291
json_url: https://lendb.ai/lo/mitch-gardner-322291.json
nmls_id: 322291
last_verified: 2026-10-09
---

# Mitch Gardner

Loan Officer at Xpert Home Lending. NMLS ID 322291 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/322291)).

**Summary:** Mitch Gardner (NMLS 322291) is Loan Officer at Xpert Home Lending. Licensed in Colorado, confirmed with the state regulator (license 100534254). Earliest state license record: August 9, 2022 (Colorado), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: August 9, 2022 (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)
- 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


## Facts from the lender page and intro

- service_area: CO. Source: https://xperthomelending.com/loan-directory/mitch-gardner, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CO | state_license | 100534254 | active | confirmed | 2022-08-09 | state_regulator | 2026-10-10 |

## Employment history

- ? to present: Xpert Home Lending (NMLS 2179191). Source: https://xperthomelending.com/loan-directory/mitch-gardner, 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/322291

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/mitch-gardner
- Office phone on file: shown at https://lendb.ai/lo/mitch-gardner-322291#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/322291
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=304776&contact=532019
- lender_site: https://xperthomelending.com/loan-directory/mitch-gardner

Cite as: Mitch Gardner (NMLS 322291), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/mitch-gardner-322291, last verified 2026-10-09.

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