{
  "canonical_url": "https://lendb.ai/lo/coby-brainard-210022",
  "lede": {
    "text": "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.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Coby licensed in California?",
      "a": "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.",
      "fields": [
        "licenses"
      ],
      "source": "California state regulator",
      "source_url": "https://dfpi.ca.gov/",
      "verified_at": "2026-10-24"
    },
    {
      "q": "What lender does Coby work for, and is it FHA-approved?",
      "a": "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).",
      "fields": [
        "current_employment",
        "employer_program_approvals"
      ],
      "source": "lender site; HUD",
      "source_url": "https://laderalending.com/team-member/coby-brainard/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Coby been licensed?",
      "a": "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.",
      "fields": [
        "earliest_license_record",
        "years_experience"
      ],
      "source": "Wisconsin state regulator",
      "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
      "verified_at": "2026-10-21"
    }
  ],
  "field_notes": {
    "languages": "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."
  },
  "loan_officer": {
    "nmls_id": 210022,
    "slug": "coby-brainard-210022",
    "canonical_url": "https://lendb.ai/lo/coby-brainard-210022",
    "md_url": "https://lendb.ai/lo/coby-brainard-210022.md",
    "json_url": "https://lendb.ai/lo/coby-brainard-210022.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/210022",
    "full_name": {
      "value": "Coby Brainard",
      "source": "state_regulator",
      "source_url": "https://laderalending.com/team-member/coby-brainard/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Coby",
    "last_name": "Brainard",
    "licensed_names": [
      {
        "name": "Coby Brainard",
        "name_with_middle_initial": "Coby E. Brainard",
        "first_name": "Coby",
        "middle_initial": "E",
        "last_name": "Brainard",
        "states": [
          "CA",
          "CO",
          "OR",
          "TX"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-22"
      }
    ],
    "headshot_url": {
      "value": "https://laderalending.com/clients/12240/uploads/2024/09/Coby-B.png.jpeg",
      "source": "state_regulator",
      "source_url": "https://laderalending.com/team-member/coby-brainard/",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "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.",
      "source": "state_regulator",
      "source_url": "https://laderalending.com/team-member/coby-brainard/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Loan Officer",
      "source": "state_regulator",
      "source_url": "https://laderalending.com/team-member/coby-brainard/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://laderalending.com/team-member/coby-brainard/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 25,
      "source": "lender_site",
      "source_url": "https://laderalending.com/team-member/coby-brainard/",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 835555,
      "lender_name": "Ladera Lending, Inc.",
      "lender_slug": "ladera-lending-inc-835555",
      "branch_city": "Lake Forest",
      "branch_state": "CA",
      "branch_zip": "92630",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://laderalending.com/team-member/coby-brainard/",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://laderalending.com/team-member/coby-brainard/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 835555,
        "lender_name": "Ladera Lending, Inc.",
        "lender_slug": "ladera-lending-inc-835555",
        "branch_city": "Lake Forest",
        "branch_state": "CA",
        "branch_zip": "92630",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://laderalending.com/team-member/coby-brainard/",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://laderalending.com/team-member/coby-brainard/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2026-07-07",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      },
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": "100543358",
        "status": "active",
        "issued_at": "2025-10-01",
        "source": "state_regulator",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=339293&contact=573021",
        "verified_at": "2026-10-16",
        "confidence": "confirmed",
        "regulator": "co"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2024-09-04",
        "source": "state_regulator",
        "source_url": "https://dfr.oregon.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "or"
      },
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "210022",
        "status": "expired",
        "issued_at": "2018-04-11",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DFPI210022",
        "status": "active",
        "issued_at": "2024-01-23",
        "source": "state_regulator",
        "source_url": "https://dfpi.ca.gov/",
        "verified_at": "2026-10-24",
        "confidence": "confirmed",
        "regulator": "ca_dfpi",
        "regulator_name": "California Department of Financial Protection and Innovation"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "25",
        "source": "lender_site",
        "source_url": "https://laderalending.com/team-member/coby-brainard/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "credential",
        "value": "Real Estate license, 1999",
        "source": "lender_site",
        "source_url": "https://laderalending.com/team-member/coby-brainard/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "credential",
        "value": "Multi-State NMLS licenses, 2009",
        "source": "lender_site",
        "source_url": "https://laderalending.com/team-member/coby-brainard/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-24",
    "updated_at": "2026-10-24 19:28:56.294761+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/coby-brainard-210022#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://laderalending.com/team-member/coby-brainard/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2018-04-11",
      "state": "WI"
    },
    "licensed_since": {
      "year": 2018,
      "state": "WI"
    },
    "federal_registration": null
  }
}