{
  "canonical_url": "https://lendb.ai/lo/david-colclough-2234650",
  "loan_officer": {
    "nmls_id": 2234650,
    "slug": "david-colclough-2234650",
    "canonical_url": "https://lendb.ai/lo/david-colclough-2234650",
    "md_url": "https://lendb.ai/lo/david-colclough-2234650.md",
    "json_url": "https://lendb.ai/lo/david-colclough-2234650.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2234650",
    "full_name": {
      "value": "David Colclough",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/david-colclough-2234650",
      "verified_at": "2026-10-09"
    },
    "first_name": "David",
    "last_name": "Colclough",
    "headshot_url": {
      "value": "https://lh3.googleusercontent.com/-F3OYf-B30tUrp1g7fSmjpK3NabMRkWTvq4qaa9xUsBy4X3dj2ZKtUaHOAs94sZUOX0aPlqeLq8rjpp2g9Q7STZaXOVft4qBHjco",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/david-colclough-2234650",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "David is a U.S. Marine Corps veteran focused on guiding clients through home and business purchases with education and World-Class service. He and his wife volunteer as Guardians ad Litem and lead financial empowerment and ministry work.",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/david-colclough-2234650",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/david-colclough-2234650",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/david-colclough-2234650",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 4,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 55,
    "current_employment": {
      "lender_nmls_id": 320841,
      "lender_name": "Loan Factory",
      "lender_slug": "loan-factory-320841",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/david-colclough-2234650",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/david-colclough-2234650",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 320841,
        "lender_name": "Loan Factory",
        "lender_slug": "loan-factory-320841",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/david-colclough-2234650",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/david-colclough-2234650",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO106509",
        "status": "expired",
        "issued_at": "2022-04-25",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "GA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/david-colclough-2234650",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/david-colclough-2234650",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/david-colclough-mlo/",
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/david-colclough-2234650",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "credential",
        "value": "Bachelor's degree in Management",
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/david-colclough-2234650",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Volunteer Guardian ad Litem for abused and neglected children",
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/david-colclough-2234650",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Advocates for adoption",
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/david-colclough-2234650",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Served in ministry for 10+ years, mentoring youth and teaching financial empowerment classes",
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/david-colclough-2234650",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Member of The Omega Psi Phi Fraternity, Inc.",
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/david-colclough-2234650",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 02:17:59.686623+00",
    "disciplinary_check": "not_checked",
    "gated_contact": null,
    "licensed_since": {
      "year": 2022,
      "state": "FL"
    },
    "federal_registration": null
  }
}