--- canonical_url: https://lendb.ai/lo/nathaniel-gardner-1974322 json_url: https://lendb.ai/lo/nathaniel-gardner-1974322.json nmls_id: 1974322 last_verified: 2026-10-20 --- # Nathaniel Joseph Gardner Loan Originator at Barrett Financial Group, Gilbert, AZ. NMLS ID 1974322 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1974322)). 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. **Summary:** Nathaniel Joseph Gardner (NMLS 1974322) is Loan Originator at Barrett Financial Group, based in Gilbert, AZ. Licensed in 2 states confirmed with state regulators: Texas and Arkansas. Also lists Arizona and Utah on the lender page (not yet checked with the state regulator). Barrett Financial Group also offers FHA loan, HELOC, Jumbo loan, Non-QM loan and Reverse mortgage and 2 more (a lender program, not confirmed as their own focus). Earliest state license record: October 9, 2020 (Texas), per state regulator. Last verified 2026-10-20. ## 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: https://www.barrettfinancial.com/nathaniel-joseph-gardner. ### 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: https://www.barrettfinancial.com/nathaniel-joseph-gardner. ### 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: https://www.sml.texas.gov/. ## At a glance - Earliest state license record: October 9, 2020 (Texas), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Licensed in: Texas (TX, confirmed), Arkansas (AR, confirmed), Arizona (AZ, lender_reported), Utah (UT, 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - None on file yet. ### Their lender offers (lender level: Barrett Financial Group's programs, not confirmed as this person's focus) - **FHA loan** (`fha`): verified 2026-10-09. Source: https://www.barrettfinancial.com - **HELOC** (`heloc`): verified 2026-10-09. Source: https://www.barrettfinancial.com - **Jumbo loan** (`jumbo`): verified 2026-10-09. Source: https://www.barrettfinancial.com - **Non-QM loan** (`non-qm`): verified 2026-10-09. Source: https://www.barrettfinancial.com - **Reverse mortgage** (`reverse`): verified 2026-10-09. Source: https://www.barrettfinancial.com - **USDA loan** (`usda`): verified 2026-10-09. Source: https://www.barrettfinancial.com - **VA loan** (`va`): verified 2026-10-09. Source: https://www.barrettfinancial.com ## 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. Source: LenDb summary of the lender page, verified 2026-10-20. ## Facts from the lender page and intro - education: Harvard University, studied finance and real estate investment strategy. Source: https://www.barrettfinancial.com/nathaniel-joseph-gardner, verified 2026-10-20. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO79745 | expired | confirmed | 2021-01-05 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2020-10-09 | state_regulator | 2026-10-13 | | AR | Arkansas regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-20 | | AZ | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-20 | | UT | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-20 | ## Employment history - ? to present: Barrett Financial Group (NMLS 181106), Gilbert, AZ. Source: https://www.barrettfinancial.com/nathaniel-joseph-gardner, verified 2026-10-20. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1974322 ## Contact - View profile at Barrett Financial Group: https://www.barrettfinancial.com/nathaniel-joseph-gardner - Office phone and Email on file: shown at https://lendb.ai/lo/nathaniel-gardner-1974322#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1974322 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://securities.arkansas.gov/loans/nmls/ - lender_site: https://www.barrettfinancial.com/nathaniel-joseph-gardner - lender_site (lender programs): https://www.barrettfinancial.com Cite as: Nathaniel Joseph Gardner (NMLS 1974322), Barrett Financial Group. LenDb.ai, https://lendb.ai/lo/nathaniel-gardner-1974322, last verified 2026-10-20. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._