{
  "canonical_url": "https://lendb.ai/lo/david-couch-309675",
  "loan_officer": {
    "nmls_id": 309675,
    "slug": "david-couch-309675",
    "canonical_url": "https://lendb.ai/lo/david-couch-309675",
    "md_url": "https://lendb.ai/lo/david-couch-309675.md",
    "json_url": "https://lendb.ai/lo/david-couch-309675.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/309675",
    "full_name": {
      "value": "David Couch",
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/david-couch/",
      "verified_at": "2026-10-09"
    },
    "first_name": "David",
    "last_name": "Couch",
    "headshot_url": null,
    "bio": {
      "value": "David Couch has over 25 years of mortgage experience starting as a loan officer assistant in 1998. He specializes in working with homebuilders across Texas and prides himself on handling difficult transactions and helping clients prepare for future homeownership.",
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/david-couch/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Branch Manager/Sr. Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/david-couch/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/david-couch/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 25,
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/david-couch/",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 134871,
      "lender_name": "Highlands Residential Mortgage",
      "lender_slug": "highlands-residential-mortgage-134871",
      "branch_city": "Allen",
      "branch_state": "TX",
      "branch_zip": "75013",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.highlandsmortgage.com/agents/david-couch/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/david-couch/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 134871,
        "lender_name": "Highlands Residential Mortgage",
        "lender_slug": "highlands-residential-mortgage-134871",
        "branch_city": "Allen",
        "branch_state": "TX",
        "branch_zip": "75013",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.highlandsmortgage.com/agents/david-couch/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/david-couch/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/david-couch/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "25",
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/david-couch/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Texas",
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/david-couch/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Runs a nonprofit that sponsors annual fishing tournaments; donated proceeds to local charities and Sutherland Springs Baptist Church survivors/first responders",
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/david-couch/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 07:16:54.483901+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/david-couch-309675#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://www.highlandsmortgage.com/agents/david-couch/",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}