Coby Brainard
Loan Officer at Ladera Lending, Inc. · Lake Forest, CA
NMLS ID 210022 (opens in a new tab) · verify at NMLS Consumer Access
Coby Brainard, NMLS 210022, works as a Loan Officer at Ladera Lending, Inc. in Lake Forest, California and is licensed in Texas, Colorado, Oregon and California. Coby works at an FHA-approved lender, per HUD.
Last verified . Sources: Ladera Lending, Inc. (laderalending.com), Texas state regulator, Colorado state regulator, Oregon state regulator, Wisconsin state regulator, California state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: April 11, 2018 (Wisconsin), per state regulator
- 25 years experience (stated)
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 4 states
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is Coby licensed in California?
- Yes. California regulator records list license CA-DFPI210022 as active, first effective January 23, 2024 (verified 2026-10-24). LenDb has 3 other states on file for Coby.
- Source: California state regulator (opens in a new tab)
- What lender does Coby work for, and is it FHA-approved?
- Ladera Lending, Inc., company NMLS 835555, from the Lake Forest, CA office, per the lender's own site (verified 2026-10-15). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026).
- Source: lender site; HUD (opens in a new tab)
- How long has Coby been licensed?
- The earliest state license record LenDb holds for Coby is from April 11, 2018 (Wisconsin regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Coby states 25 years of experience.
- Source: Wisconsin state regulator (opens in a new tab)
Specialties
Focus
No focus listed on their lender page yet.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
Texas, Colorado, Oregon, California
✓ Confirmed with the state regulator: TX (opens in a new tab), CO (opens in a new tab) (100543358, first effective 2025-10-01), OR (opens in a new tab), CA DFPI (opens in a new tab) (CA-DFPI210022, first effective 2024-01-23), verified 2026-10-13.
Regulator records not active: WI (expired).
Contact
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Employment history
Ladera Lending, Inc. NMLS 835555
Current · Lake Forest, CA · seen on lender site 2026-10-15
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Coby Brainard has a 25-year career in real estate financing and received a Real Estate license in 1999. They were born and raised in Southern California and say they also take quick acting gigs.
Our summary of the lender page. Verified 2026-10-15.
Sources
| Name and employer | state regulator · laderalending.com (opens in a new tab) | verified 2026-10-15 |
| Licenses (regulator) | state regulator · dfpi.ca.gov (opens in a new tab) | verified 2026-10-24 |
| Summary | state regulator · laderalending.com (opens in a new tab) | verified 2026-10-15 |
| Contact | lender site · laderalending.com (opens in a new tab) | verified 2026-10-15 |
| Photo | state regulator · laderalending.com (opens in a new tab) | verified 2026-10-15 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Coby Brainard (NMLS 210022), Ladera Lending, Inc.. LenDb.ai, https://lendb.ai/lo/coby-brainard-210022, last verified 2026-10-24.
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