---
canonical_url: https://lendb.ai/lo/ryan-phillips-1428750
json_url: https://lendb.ai/lo/ryan-phillips-1428750.json
nmls_id: 1428750
last_verified: 2026-10-09
---

# Ryan Phillips

Loan Officer at Xpert Home Lending. NMLS ID 1428750 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1428750)).

**Summary:** Ryan Phillips (NMLS 1428750) is Loan Officer at Xpert Home Lending. Licensed in Florida, confirmed with the state regulator (license LO97088). Also lists Arizona, Colorado, Montana and Texas on the lender page (not yet checked with the state regulator). Licensed since 2021 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2021 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Arizona (AZ, lender_reported), Colorado (CO, lender_reported), Montana (MT, lender_reported), Texas (TX, 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


## About

Ryan has over 7 years of experience as a mortgage professional, serving clients across Arizona, Colorado, Florida, Montana, and Texas.

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

## Facts from the lender page and intro

- years_experience: 7+. Source: https://xperthomelending.com/loan-directory/ryan-phillips, verified 2026-10-09.
- service_area: Arizona, Colorado, Florida, Montana, Texas. Source: https://xperthomelending.com/loan-directory/ryan-phillips, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO97088 | active | confirmed | 2021-11-05 | state_regulator | 2026-10-09 |
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CO | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MT | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TX | 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/ryan-phillips, 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/1428750

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/ryan-phillips
- Office phone and Email on file: shown at https://lendb.ai/lo/ryan-phillips-1428750#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1428750
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://xperthomelending.com/loan-directory/ryan-phillips

Cite as: Ryan Phillips (NMLS 1428750), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/ryan-phillips-1428750, last verified 2026-10-09.

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