--- canonical_url: https://lendb.ai/lo/stacey-dowling-196631 json_url: https://lendb.ai/lo/stacey-dowling-196631.json nmls_id: 196631 last_verified: 2026-10-09 --- # Stacey Dowling Loan Officer at Xpert Home Lending. NMLS ID 196631 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/196631)). **Summary:** Stacey Dowling (NMLS 196631) is Loan Officer at Xpert Home Lending. Licensed in 3 states confirmed with state regulators: Florida, Colorado and Pennsylvania. Also lists Alabama, Arkansas, California, District of Columbia, Georgia, Hawaii, Iowa, Illinois and 12 more on the lender page (not yet checked with the state regulator). Licensed since 2007 (per Colorado records). States 30 years of experience. Last verified 2026-10-09. ## At a glance - Licensed since 2007 (per Colorado records). This is license history on file, not total experience. - Years experience (stated by the LO): 30 (source: https://xperthomelending.com/loan-directory/stacey-dowling, verified 2026-10-09) - Licensed in: Florida (FL, confirmed), Colorado (CO, confirmed), Pennsylvania (PA, confirmed), Alabama (AL, lender_reported), Arkansas (AR, lender_reported), California (CA, lender_reported), District of Columbia (DC, lender_reported), Georgia (GA, lender_reported), Hawaii (HI, lender_reported), Iowa (IA, lender_reported), Illinois (IL, lender_reported), Kansas (KS, lender_reported), Kentucky (KY, lender_reported), Louisiana (LA, lender_reported), Michigan (MI, lender_reported), Missouri (MO, lender_reported), Mississippi (MS, lender_reported), Montana (MT, lender_reported), North Carolina (NC, lender_reported), Nebraska (NE, lender_reported), New Mexico (NM, lender_reported), Ohio (OH, lender_reported), Wyoming (WY, 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 With 30+ years of experience, Stacey specializes in consultative home financing for first-time buyers, high-net-worth clients, and investment property purchasers, serving 23 states. 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/stacey-dowling, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO141798 | active | confirmed | 2025-10-06 | state_regulator | 2026-10-09 | | CO | state_license | 100018216 | active | confirmed | 2007-08-21 | state_regulator | 2026-10-09 | | PA | state_license | 119521 | active | confirmed | | state_regulator | 2026-10-09 | | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | AR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | DC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | HI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | KS | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | KY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | LA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MO | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MS | 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 | | NC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NE | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NM | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WY | 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/stacey-dowling, 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/196631 ## Contact - View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/stacey-dowling - Office phone and Email on file: shown at https://lendb.ai/lo/stacey-dowling-196631#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/196631 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=146644&contact=180586 - state_regulator: https://data.pa.gov/d/tyxc-jyug - lender_site: https://xperthomelending.com/loan-directory/stacey-dowling Cite as: Stacey Dowling (NMLS 196631), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/stacey-dowling-196631, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._