---
canonical_url: https://lendb.ai/lo/tammy-metzger-1685285
json_url: https://lendb.ai/lo/tammy-metzger-1685285.json
nmls_id: 1685285
last_verified: 2026-10-09
---

# Tammy Metzger

Loan Officer at Xpert Home Lending, Austin, TX. NMLS ID 1685285 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1685285)).

**Summary:** Tammy Metzger (NMLS 1685285) is Loan Officer at Xpert Home Lending, based in Austin, TX. Licensed in Colorado, confirmed with the state regulator (license 100536056). Also lists Arizona, Michigan, New Mexico and Texas on the lender page (not yet checked with the state regulator). Licensed since 2023 (per Colorado records). Last verified 2026-10-09.

## At a glance

- Licensed since 2023 (per Colorado records). This is license history on file, not total experience.
- Licensed in: Colorado (CO, confirmed), Arizona (AZ, lender_reported), Michigan (MI, lender_reported), New Mexico (NM, 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

Tammy has worked in mortgage lending since 2017 with a background in retail banking and property management. She focuses on consumer advocacy and homebuyer education across Arizona, Colorado, Michigan, New Mexico, and Texas.

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

## Facts from the lender page and intro

- years_experience: since 2017. Source: https://xperthomelending.com/loan-directory/tammy-metzger, verified 2026-10-09.
- education: Master of Education from The University of Texas at Austin. Source: https://xperthomelending.com/loan-directory/tammy-metzger, verified 2026-10-09.
- credential: RMLO (Registered Mortgage Loan Officer). Source: https://xperthomelending.com/loan-directory/tammy-metzger, verified 2026-10-09.
- community: Mortgage Dogs brand donates to dog-related charities for each loan closed, supporting rescue organizations, dog training, and therapy dog organizations. Source: https://xperthomelending.com/loan-directory/tammy-metzger, verified 2026-10-09.
- service_area: Texas, New Mexico, Colorado, Arizona, and Michigan. Source: https://xperthomelending.com/loan-directory/tammy-metzger, verified 2026-10-09.
- other: Background in real estate brokerage and property management after earning Master's degree. Source: https://xperthomelending.com/loan-directory/tammy-metzger, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CO | state_license | 100536056 | active | confirmed | 2023-02-28 | state_regulator | 2026-10-10 |
| AZ | 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 |
| NM | 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), Austin, TX. Source: https://xperthomelending.com/loan-directory/tammy-metzger, 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/1685285

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/tammy-metzger
- Office phone and Email on file: shown at https://lendb.ai/lo/tammy-metzger-1685285#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1685285
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=312457&contact=476789
- lender_site: https://xperthomelending.com/loan-directory/tammy-metzger

Cite as: Tammy Metzger (NMLS 1685285), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/tammy-metzger-1685285, last verified 2026-10-09.

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