Nathaniel Joseph Gardner, photo from Barrett Financial Group

Nathaniel Joseph Gardner

Loan Originator at Barrett Financial Group · Gilbert, AZ

NMLS ID 1974322 (opens in a new tab) · verify at NMLS Consumer Access

Nathaniel Joseph Gardner, NMLS 1974322, works as a Loan Originator at Barrett Financial Group in Gilbert, Arizona and is licensed in Texas since 2020 and in Arkansas.

Last verified . Sources: Barrett Financial Group (barrettfinancial.com), Florida state regulator, Texas state regulator, Arkansas state regulator and NMLS Consumer Access (license status, check live).

Quick answers

Is Nathaniel licensed in Arizona?
Barrett Financial Group's page for Nathaniel lists Arizona. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access. LenDb has 3 other states on file for Nathaniel.
Source: lender page (opens in a new tab)
What lender does Nathaniel work for?
Barrett Financial Group, company NMLS 181106, from the Gilbert, AZ office, per the lender's own site (verified 2026-10-20).
Source: lender site (opens in a new tab)
How long has Nathaniel been licensed?
The earliest state license record LenDb holds for Nathaniel is from October 9, 2020 (Texas regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
Source: Texas state regulator (opens in a new tab)

Specialties

Focus

No focus listed on their lender page yet.

    Their lender offers

    FHA loan, HELOC, Jumbo loan, Non-QM loan, Reverse mortgage, USDA loan and VA loan. Programs Barrett Financial Group offers (verified 2026-10-09). Lender-level: not confirmed as Nathaniel's own focus, so ask.

    Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.

    Licensed states

    AKMEVTNHWAIDMTNDMNILWIMINYMARIORNVWYSDIAINOHPANJCTCAUTCONEMOKYWVVAMDDEAZNMKSARTNNCSCDCOKLAMSALGAHITXFL

    Texas, Arkansas, Arizona, Utah

    ✓ Confirmed with the state regulator: TX (opens in a new tab), AR (opens in a new tab), verified 2026-10-13.

    Lender-reported: AZ, UT are listed on the lender page, not yet checked with the state regulator.

    Regulator records not active: FL (expired).

    Contact

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    Visit Nathaniel's page (opens in a new tab)

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    Employment history

    1. Barrett Financial Group NMLS 181106

      Current · Gilbert, AZ · seen on lender site 2026-10-20

    Disciplinary history

    Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).

    About

    Nathaniel Joseph Gardner is a Loan Originator licensed in AR, AZ, TX and UT. They studied finance and real estate investment strategy at Harvard University.

    Our summary of the lender page. Verified 2026-10-20.

    Education
    Harvard University, studied finance and real estate investment strategy
    Source (opens in a new tab), verified 2026-10-20

    Sources

    Name and employerstate regulator · barrettfinancial.com (opens in a new tab)verified 2026-10-20
    Licenses (regulator)state regulator · securities.arkansas.gov (opens in a new tab)verified 2026-10-20
    Licensed stateslender site · barrettfinancial.com (opens in a new tab)verified 2026-10-20
    Lender programslender site · barrettfinancial.com (opens in a new tab)verified 2026-10-09
    Summarystate regulator · barrettfinancial.com (opens in a new tab)verified 2026-10-20
    Contactlender site · barrettfinancial.com (opens in a new tab)verified 2026-10-20
    Photostate regulator · barrettfinancial.com (opens in a new tab)verified 2026-10-20
    License statusNMLS Consumer Access (opens in a new tab)check live

    Also available as Markdown, JSON, or via the API.

    Cite as: Nathaniel Joseph Gardner (NMLS 1974322), Barrett Financial Group. LenDb.ai, https://lendb.ai/lo/nathaniel-gardner-1974322, last verified 2026-10-20.

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