--- canonical_url: https://lendb.ai/lo/coby-brainard-210022 json_url: https://lendb.ai/lo/coby-brainard-210022.json nmls_id: 210022 last_verified: 2026-10-24 --- # Coby Brainard Loan Officer at Ladera Lending, Inc., Lake Forest, CA. NMLS ID 210022 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/210022)). 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. **Summary:** Coby Brainard (NMLS 210022) is Loan Officer at Ladera Lending, Inc., based in Lake Forest, CA. Licensed in 4 states confirmed with state regulators: Texas, Colorado, Oregon and California. Earliest state license record: April 11, 2018 (Wisconsin), per state regulator. States 25 years of experience. Last verified 2026-10-24. ## 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: https://dfpi.ca.gov/. ### 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: https://laderalending.com/team-member/coby-brainard/. ### 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: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/. ## At a glance - Earliest state license record: April 11, 2018 (Wisconsin), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 25 (source: https://laderalending.com/team-member/coby-brainard/, verified 2026-10-15) - Also licensed as (state regulator records, same NMLS ID): Coby E. Brainard (CA, CO, OR, TX, as of 2026-10-22) - Licensed in: Texas (TX, confirmed), Colorado (CO, confirmed), Oregon (OR, confirmed), California (CA DFPI, confirmed) - Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot - 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. ## 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. Source: LenDb summary of the lender page, verified 2026-10-15. ## Facts from the lender page and intro - years_experience: 25. Source: https://laderalending.com/team-member/coby-brainard/, verified 2026-10-15. - credential: Real Estate license, 1999. Source: https://laderalending.com/team-member/coby-brainard/, verified 2026-10-15. - credential: Multi-State NMLS licenses, 2009. Source: https://laderalending.com/team-member/coby-brainard/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | TX | Texas regulator | state_license | n/a | active | confirmed | 2026-07-07 | state_regulator | 2026-10-13 | | CO | Colorado regulator | state_license | 100543358 | active | confirmed | 2025-10-01 | state_regulator | 2026-10-16 | | OR | Oregon regulator | state_license | n/a | active | confirmed | 2024-09-04 | state_regulator | 2026-10-20 | | WI | Wisconsin regulator | state_license | 210022 | expired | confirmed | 2018-04-11 | state_regulator | 2026-10-21 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI210022 | active | confirmed | 2024-01-23 | state_regulator | 2026-10-24 | ## Employment history - ? to present: Ladera Lending, Inc. (NMLS 835555), Lake Forest, CA. Source: https://laderalending.com/team-member/coby-brainard/, 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/210022 ## Contact - View profile at Ladera Lending, Inc.: https://laderalending.com/team-member/coby-brainard/ - Office phone and Email on file: shown at https://lendb.ai/lo/coby-brainard-210022#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/210022 - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=339293&contact=573021 - state_regulator: https://dfr.oregon.gov/ - state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/ - state_regulator: https://dfpi.ca.gov/ - state_regulator: https://laderalending.com/team-member/coby-brainard/ - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Coby Brainard (NMLS 210022), Ladera Lending, Inc.. LenDb.ai, https://lendb.ai/lo/coby-brainard-210022, last verified 2026-10-24. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._