---
canonical_url: https://lendb.ai/lo/patricia-loya-1016772
json_url: https://lendb.ai/lo/patricia-loya-1016772.json
nmls_id: 1016772
last_verified: 2026-10-09
---

# Patricia Loya

Loan Officer at Xpert Home Lending. NMLS ID 1016772 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1016772)).

**Summary:** 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.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: California (CA, 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 0.70, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/patricia-loya
- **Jumbo loan** (`jumbo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/patricia-loya
- **Rural property** (`rural`): lender page, confidence 0.70, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/patricia-loya
- **Self-employed** (`self-employed`): lender page, confidence 0.70, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/patricia-loya

## 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.

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

## Facts from the lender page and intro

- years_experience: 30+. Source: https://xperthomelending.com/loan-directory/patricia-loya, verified 2026-10-09.
- service_area: California. Source: https://xperthomelending.com/loan-directory/patricia-loya, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CA | 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/patricia-loya, 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/1016772

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/patricia-loya
- Office phone and Email on file: shown at https://lendb.ai/lo/patricia-loya-1016772#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1016772
- lender_site: https://xperthomelending.com/loan-directory/patricia-loya

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

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