---
canonical_url: https://lendb.ai/lo/rachel-stevens-831678
json_url: https://lendb.ai/lo/rachel-stevens-831678.json
nmls_id: 831678
last_verified: 2026-10-09
---

# Rachel Stevens

Mortgage Strategist at Xpert Home Lending. NMLS ID 831678 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/831678)).

**Summary:** Rachel Stevens (NMLS 831678) is Mortgage Strategist at Xpert Home Lending. Licensed in 2 states confirmed with state regulators: Florida and Colorado. Also lists California on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer and Self-employed. Earliest state license record: March 15, 2019 (Colorado), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: March 15, 2019 (Colorado), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Colorado (CO, confirmed), 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 0.90, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/rachel-stevens
- **Self-employed** (`self-employed`): lender page, confidence 0.90, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/rachel-stevens

## About

Rachel is a Mortgage Strategist with over 25 years in finance and lending serving Colorado, California, and Florida. She helps first-time buyers, move-up buyers, retirees, self-employed professionals, and high-net-worth clients structure financing for homeownership and long-term financial goals.

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

## Facts from the lender page and intro

- years_experience: 25+. Source: https://xperthomelending.com/loan-directory/rachel-stevens, verified 2026-10-09.
- service_area: Colorado, California, and Florida. Source: https://xperthomelending.com/loan-directory/rachel-stevens, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO136757 | active | confirmed | 2025-04-01 | state_regulator | 2026-10-09 |
| CO | state_license | 100513719 | active | confirmed | 2019-03-15 | state_regulator | 2026-10-10 |
| 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/rachel-stevens, 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/831678

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/rachel-stevens
- Office phone and Email on file: shown at https://lendb.ai/lo/rachel-stevens-831678#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/831678
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=230855&contact=40845
- lender_site: https://xperthomelending.com/loan-directory/rachel-stevens

Cite as: Rachel Stevens (NMLS 831678), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/rachel-stevens-831678, last verified 2026-10-09.

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