---
canonical_url: https://lendb.ai/lo/stephen-gala-2845865
json_url: https://lendb.ai/lo/stephen-gala-2845865.json
nmls_id: 2845865
last_verified: 2026-10-20
---

# Stephen Michael de Gala

Loan Originator at Barrett Financial Group, Chandler, AZ. NMLS ID 2845865 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2845865)).

Based in Chandler, Arizona, Stephen Michael de Gala (NMLS 2845865) is a Loan Originator at Barrett Financial Group, licensed in Texas since 2026.

**Summary:** Stephen Michael de Gala (NMLS 2845865) is Loan Originator at Barrett Financial Group, based in Chandler, AZ. Licensed in Texas, confirmed with the state regulator. Also lists Colorado on the lender page (not yet checked with the state regulator). Barrett Financial Group also offers FHA loan, HELOC, Jumbo loan, Non-QM loan and Reverse mortgage and 2 more (a lender program, not confirmed as their own focus). Earliest state license record: June 12, 2026 (Texas), per state regulator. Last verified 2026-10-20.

## Quick answers

### Is Stephen licensed in Texas?

Yes. Texas regulator records list a license as active, first effective June 12, 2026 (verified 2026-10-13). LenDb has 1 other state on file for Stephen. Source: https://www.sml.texas.gov/.

### What lender does Stephen work for?

Barrett Financial Group, company NMLS 181106, from the Chandler, AZ office, per the lender's own site (verified 2026-10-20). Source: https://www.barrettfinancial.com/sdegala.

### How long has Stephen been licensed?

The earliest state license record LenDb holds for Stephen is from June 12, 2026 (Texas regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://www.sml.texas.gov/.

## At a glance

- Earliest state license record: June 12, 2026 (Texas), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Texas (TX, confirmed), Colorado (CO, 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.)
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

### Their lender offers (lender level: Barrett Financial Group's programs, not confirmed as this person's focus)

- **FHA loan** (`fha`): verified 2026-10-09. Source: https://www.barrettfinancial.com
- **HELOC** (`heloc`): verified 2026-10-09. Source: https://www.barrettfinancial.com
- **Jumbo loan** (`jumbo`): verified 2026-10-09. Source: https://www.barrettfinancial.com
- **Non-QM loan** (`non-qm`): verified 2026-10-09. Source: https://www.barrettfinancial.com
- **Reverse mortgage** (`reverse`): verified 2026-10-09. Source: https://www.barrettfinancial.com
- **USDA loan** (`usda`): verified 2026-10-09. Source: https://www.barrettfinancial.com
- **VA loan** (`va`): verified 2026-10-09. Source: https://www.barrettfinancial.com

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| TX | Texas regulator | state_license | n/a | active | confirmed | 2026-06-12 | state_regulator | 2026-10-13 |
| CO |  | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-20 |

## Employment history

- ? to present: Barrett Financial Group (NMLS 181106), Chandler, AZ. Source: https://www.barrettfinancial.com/sdegala, verified 2026-10-20.
- ? to present: NEXA Mortgage (NMLS 1660690). Source: https://www.sml.texas.gov/, verified 2026-10-13.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2845865

## Contact

- View profile at Barrett Financial Group: https://www.barrettfinancial.com/sdegala
- Office phone and Email on file: shown at https://lendb.ai/lo/stephen-gala-2845865#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2845865
- state_regulator: https://www.sml.texas.gov/
- lender_site: https://www.barrettfinancial.com/sdegala
- lender_site (lender programs): https://www.barrettfinancial.com

Cite as: Stephen Michael de Gala (NMLS 2845865), Barrett Financial Group. LenDb.ai, https://lendb.ai/lo/stephen-gala-2845865, last verified 2026-10-20.

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