---
canonical_url: https://lendb.ai/lo/cody-heard-92001
json_url: https://lendb.ai/lo/cody-heard-92001.json
nmls_id: 92001
last_verified: 2026-10-10
---

# Cody Heard

Branch Manager at Lower, Lake Charles, LA. NMLS ID 92001 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/92001)).

**Summary:** Cody Heard (NMLS 92001) is Branch Manager at Lower, based in Lake Charles, LA. Lists Arkansas, Louisiana and Texas on the lender page (not yet checked with the state regulator). Last verified 2026-10-10.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: Arkansas (AR, lender_reported), Louisiana (LA, 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


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| AR | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| LA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Lake Charles, LA. Source: https://www.lower.com/loan-officers/louisiana/lake-charles/cody-heard, verified 2026-10-10.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/92001

## Contact

- View profile at Lower: https://www.lower.com/loan-officers/louisiana/lake-charles/cody-heard
- Office phone and Email on file: shown at https://lendb.ai/lo/cody-heard-92001#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/92001
- lender_site: https://www.lower.com/loan-officers/louisiana/lake-charles/cody-heard

Cite as: Cody Heard (NMLS 92001), Lower. LenDb.ai, https://lendb.ai/lo/cody-heard-92001, last verified 2026-10-10.

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