{
  "canonical_url": "https://lendb.ai/lo/j-d-cobb-269510",
  "loan_officer": {
    "nmls_id": 269510,
    "slug": "j-d-cobb-269510",
    "canonical_url": "https://lendb.ai/lo/j-d-cobb-269510",
    "md_url": "https://lendb.ai/lo/j-d-cobb-269510.md",
    "json_url": "https://lendb.ai/lo/j-d-cobb-269510.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/269510",
    "full_name": {
      "value": "J.D. Cobb",
      "source": "lender_site",
      "source_url": "https://homeownersfg.com/jcobb/",
      "verified_at": "2026-10-09"
    },
    "first_name": "J.d.",
    "last_name": "Cobb",
    "headshot_url": {
      "value": "https://homeownersfg.com/wp-content/uploads/JD-Cobb.jpeg",
      "source": "lender_site",
      "source_url": "https://homeownersfg.com/jcobb/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "J.D. has been in mortgage lending since 2002, helping thousands of families across Texas. He brings clarity, communication, and expertise to both first-time buyers and real estate investors.",
      "source": "lender_site",
      "source_url": "https://homeownersfg.com/jcobb/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Branch Manager",
      "source": "lender_site",
      "source_url": "https://homeownersfg.com/jcobb/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://homeownersfg.com/jcobb/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 93718,
      "lender_name": "Homeowners Financial Group",
      "lender_slug": "homeowners-financial-group-93718",
      "branch_city": "Austin",
      "branch_state": "TX",
      "branch_zip": "78735",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://homeownersfg.com/jcobb/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://homeownersfg.com/jcobb/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 93718,
        "lender_name": "Homeowners Financial Group",
        "lender_slug": "homeowners-financial-group-93718",
        "branch_city": "Austin",
        "branch_state": "TX",
        "branch_zip": "78735",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://homeownersfg.com/jcobb/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://homeownersfg.com/jcobb/",
        "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://homeownersfg.com/jcobb/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [
      {
        "kind": "video_intro",
        "summary": "J.d. has a short recorded video intro on Homeowners Financial Group's site.",
        "listen_url": "https://homeownersfg.com/jcobb/",
        "duration_seconds": null,
        "source": "lender_site",
        "source_url": "https://homeownersfg.com/jcobb/",
        "verified_at": "2026-10-09"
      }
    ],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 2002",
        "source": "lender_site",
        "source_url": "https://homeownersfg.com/jcobb/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "Graduated from Southwest Texas State University",
        "source": "lender_site",
        "source_url": "https://homeownersfg.com/jcobb/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Branch Manager (previous experience)",
        "source": "lender_site",
        "source_url": "https://homeownersfg.com/jcobb/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Texas",
        "source": "lender_site",
        "source_url": "https://homeownersfg.com/jcobb/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 08:07:50.760476+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/j-d-cobb-269510#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://homeownersfg.com/jcobb/",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}