---
canonical_url: https://lendb.ai/lo/xavier-alcala-1700588
json_url: https://lendb.ai/lo/xavier-alcala-1700588.json
nmls_id: 1700588
last_verified: 2026-10-24
---

# Xavier Alcala

Loan officer at Saxton Mortgage, LLC. NMLS ID 1700588 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1700588)).

Xavier Alcala (NMLS 1700588) is a mortgage loan officer at Saxton Mortgage, LLC, licensed in Florida, Texas, Oregon and California.

**Summary:** Xavier Alcala (NMLS 1700588) is a loan officer at Saxton Mortgage, LLC. Licensed in 4 states confirmed with state regulators: Florida, Texas, Oregon and California. Earliest state license record: May 31, 2018 (Iowa), per state regulator. Last verified 2026-10-24.

## Quick answers

### Is Xavier licensed in Florida?

Yes. Florida regulator records list license LO137697 as active, first effective May 2, 2025 (verified 2026-10-15). LenDb has 3 other states on file for Xavier. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip.

### What lender does Xavier work for?

Saxton Mortgage, LLC, company NMLS 1717191, per the lender's own site (verified 2026-10-20). Source: https://dfr.oregon.gov/.

### How long has Xavier been licensed?

The earliest state license record LenDb holds for Xavier is from May 31, 2018 (Iowa regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://idob.iowa.gov/.

## At a glance

- Earliest state license record: May 31, 2018 (Iowa), 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), Texas (TX, confirmed), Oregon (OR, confirmed), California (CA DFPI, confirmed)
- 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.

## Facts from the lender page and intro

- years_experience: almost a decade. Source: https://independencehl.com/xavier-alcala/, verified 2026-10-15.
- role: Senior Loan Officer (past role). Source: https://independencehl.com/xavier-alcala/, verified 2026-10-15.
- role: leads a team. Source: https://independencehl.com/xavier-alcala/, verified 2026-10-15.
- other: consistently ranked among the top producers in their field. Source: https://independencehl.com/xavier-alcala/, verified 2026-10-15.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO137697 | active | confirmed | 2025-05-02 | state_regulator | 2026-10-15 |
| TX | Texas regulator | state_license | n/a | active | confirmed | 2025-04-14 | state_regulator | 2026-10-13 |
| IA | Iowa regulator | state_license | 32376 | expired | confirmed | 2018-05-31 | state_regulator | 2026-10-20 |
| OR | Oregon regulator | state_license | 2779985 | active | confirmed | 2025-11-04 | state_regulator | 2026-10-20 |
| WI | Wisconsin regulator | state_license | 1700588 | expired | confirmed | 2024-04-04 | state_regulator | 2026-10-21 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI1700588 | active | confirmed | 2025-04-30 | state_regulator | 2026-10-24 |

## Employment history

- ? to present: Saxton Mortgage, LLC (NMLS 1717191). Source: https://dfr.oregon.gov/, verified 2026-10-20.
- ? to present: INDEPENDENCE HOME LOANS LLC (NMLS 2524174). Source: https://independencehl.com/xavier-alcala/, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1700588

## Contact

- Office phone and Email on file: shown at https://lendb.ai/lo/xavier-alcala-1700588#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1700588
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://idob.iowa.gov/
- state_regulator: https://dfr.oregon.gov/
- state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/
- state_regulator: https://dfpi.ca.gov/
- state_regulator: https://independencehl.com/xavier-alcala/

Cite as: Xavier Alcala (NMLS 1700588), Saxton Mortgage, LLC. LenDb.ai, https://lendb.ai/lo/xavier-alcala-1700588, last verified 2026-10-24.

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