Patricia Loya

NMLS ID 1016772 (opens in a new tab) · verify at NMLS Consumer Access

Patricia Loya (NMLS 1016772) is Loan Officer at Xpert Home Lending. Lists California on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer, Jumbo loan, Rural property and Self-employed.

Last verified 2026-10-09. Sources: Xpert Home Lending (xperthomelending.com) and NMLS Consumer Access (license status, check live).

1 state
Unclaimed profile
Disciplinary history not yet checked

Specialties

Where we saw these: xperthomelending.com (opens in a new tab)

Evidence levels, strongest first: production data, lender page, self-reported.

Languages

Not listed

Licensed states

California

Lender-reported: CA is listed on the lender page, not yet checked with the state regulator.

Contact

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Employment history

Xpert Home Lending NMLS 2179191
Current · seen on lender site 2026-10-09

Disciplinary history

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

About

Pat Loya is a licensed mortgage loan officer with 30+ years of local experience in California, specializing in complex financing for first-time homebuyers, self-employed entrepreneurs, and real estate investors.

Our summary of the lender page. Verified 2026-10-09.

Experience: 30+; Source (opens in a new tab), verified 2026-10-09
Serves: California; Source (opens in a new tab), verified 2026-10-09

Sources

Name and employer	lender site · xperthomelending.com (opens in a new tab)	verified 2026-10-09
Licensed states	lender site · xperthomelending.com (opens in a new tab)	verified 2026-10-09
Specialties	lender site · xperthomelending.com (opens in a new tab)	verified 2026-10-09
Summary	lender site · xperthomelending.com (opens in a new tab)	verified 2026-10-09
Contact	lender site · xperthomelending.com (opens in a new tab)	verified 2026-10-09
License status	NMLS Consumer Access (opens in a new tab)	check live

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Cite as: Patricia Loya (NMLS 1016772), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/patricia-loya-1016772, last verified 2026-10-09.

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