{
  "canonical_url": "https://lendb.ai/lo/john-doung-1471097",
  "lede": {
    "text": "John Doung (NMLS 1471097) is a Loan Officer at Ladera Lending, Inc. in Lake Forest, California, licensed in Colorado since 2016 and in Florida, Texas, Pennsylvania and 4 more states. John works at an FHA-approved lender, per HUD.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is John licensed in California?",
      "a": "Yes. California regulator records list license CA-DBO1471097 as active, first effective May 31, 2016 (verified 2026-10-24). LenDb has 7 other states on file for John.",
      "fields": [
        "licenses"
      ],
      "source": "California state regulator",
      "source_url": "https://dfpi.ca.gov/",
      "verified_at": "2026-10-24"
    },
    {
      "q": "What lender does John work for, and is it FHA-approved?",
      "a": "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).",
      "fields": [
        "current_employment",
        "employer_program_approvals"
      ],
      "source": "lender site; HUD",
      "source_url": "https://laderalending.com/team-member/john-doung/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has John been licensed?",
      "a": "The earliest state license record LenDb holds for John is from May 20, 2016 (Colorado regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Colorado state regulator",
      "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=179494&contact=393455",
      "verified_at": "2026-10-16"
    }
  ],
  "field_notes": {
    "languages": "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."
  },
  "loan_officer": {
    "nmls_id": 1471097,
    "slug": "john-doung-1471097",
    "canonical_url": "https://lendb.ai/lo/john-doung-1471097",
    "md_url": "https://lendb.ai/lo/john-doung-1471097.md",
    "json_url": "https://lendb.ai/lo/john-doung-1471097.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1471097",
    "full_name": {
      "value": "John Doung",
      "source": "state_regulator",
      "source_url": "https://laderalending.com/team-member/john-doung/",
      "verified_at": "2026-10-15"
    },
    "first_name": "John",
    "last_name": "Doung",
    "headshot_url": {
      "value": "https://laderalending.com/clients/12240/uploads/2021/07/John-Doung-.jpg",
      "source": "state_regulator",
      "source_url": "https://laderalending.com/team-member/john-doung/",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "John Doung has worked in financial services since 2016. They were born and raised in Los Angeles, CA. Outside work, they enjoy riding bikes and exploring states in their camper van.",
      "source": "state_regulator",
      "source_url": "https://laderalending.com/team-member/john-doung/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Loan Officer",
      "source": "state_regulator",
      "source_url": "https://laderalending.com/team-member/john-doung/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://laderalending.com/team-member/john-doung/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 835555,
      "lender_name": "Ladera Lending, Inc.",
      "lender_slug": "ladera-lending-inc-835555",
      "branch_city": "Lake Forest",
      "branch_state": "CA",
      "branch_zip": "92630",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://laderalending.com/team-member/john-doung/",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://laderalending.com/team-member/john-doung/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 835555,
        "lender_name": "Ladera Lending, Inc.",
        "lender_slug": "ladera-lending-inc-835555",
        "branch_city": "Lake Forest",
        "branch_state": "CA",
        "branch_zip": "92630",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://laderalending.com/team-member/john-doung/",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://laderalending.com/team-member/john-doung/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO50910",
        "status": "active",
        "issued_at": "2018-02-19",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2016-06-09",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      },
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": "100502495",
        "status": "active",
        "issued_at": "2016-05-20",
        "source": "state_regulator",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=179494&contact=393455",
        "verified_at": "2026-10-16",
        "confidence": "confirmed",
        "regulator": "co"
      },
      {
        "state": "PA",
        "license_type": "state_license",
        "license_number": "95090",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://data.pa.gov/d/tyxc-jyug",
        "verified_at": "2026-10-16",
        "confidence": "confirmed",
        "regulator": "pa"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2017-02-22",
        "source": "state_regulator",
        "source_url": "https://dfr.oregon.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "or"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DBO1471097",
        "status": "active",
        "issued_at": "2016-05-31",
        "source": "state_regulator",
        "source_url": "https://dfpi.ca.gov/",
        "verified_at": "2026-10-24",
        "confidence": "confirmed",
        "regulator": "ca_dfpi",
        "regulator_name": "California Department of Financial Protection and Innovation"
      },
      {
        "state": "MA",
        "license_type": "state_license",
        "license_number": "MLO1471097",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees",
        "verified_at": "2026-10-26",
        "confidence": "confirmed",
        "regulator": "ma"
      },
      {
        "state": "MD",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.labor.maryland.gov/finance/",
        "verified_at": "2026-10-26",
        "confidence": "confirmed",
        "regulator": "md"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 2016",
        "source": "lender_site",
        "source_url": "https://laderalending.com/team-member/john-doung/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-26 20:25:00.137651+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/john-doung-1471097#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://laderalending.com/team-member/john-doung/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2016-05-20",
      "state": "CO"
    },
    "licensed_since": {
      "year": 2016,
      "state": "CO"
    },
    "federal_registration": null
  }
}