---
canonical_url: https://lendb.ai/lo/joy-cobert-2182643
json_url: https://lendb.ai/lo/joy-cobert-2182643.json
nmls_id: 2182643
last_verified: 2026-10-09
---

# Joy Cobert

Loan officer at GMFS Mortgage, Lafayette, LA. NMLS ID 2182643 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2182643)).

**Summary:** Joy Cobert (NMLS 2182643) is a loan officer at GMFS Mortgage, based in Lafayette, LA. Lists Louisiana on the lender page (not yet checked with the state regulator). States 13 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 13 (source: https://gmfsmortgage.com/loan-officers/joy-cobert/, verified 2026-10-09)
- Licensed in: Louisiana (LA, 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


## About

Joy Cobert is a mortgage loan officer with over 13 years as a REALTOR® before entering the mortgage industry in 2024. She helps homebuyers understand financing options and specializes in conventional, FHA, VA, USDA, construction, renovation, and down payment assistance loans.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 13. Source: https://gmfsmortgage.com/loan-officers/joy-cobert/, verified 2026-10-09.
- role: REALTOR®. Source: https://gmfsmortgage.com/loan-officers/joy-cobert/, verified 2026-10-09.
- education: Future Leaders program through the Louisiana Mortgage Bankers Association. Source: https://gmfsmortgage.com/loan-officers/joy-cobert/, verified 2026-10-09.
- community: Serves on the board of the Acadiana Mortgage Lenders Association. Source: https://gmfsmortgage.com/loan-officers/joy-cobert/, verified 2026-10-09.
- community: Previously served on the board of the REALTOR® Association of Acadiana. Source: https://gmfsmortgage.com/loan-officers/joy-cobert/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| LA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: GMFS Mortgage (NMLS 64997), Lafayette, LA. Source: https://gmfsmortgage.com/loan-officers/joy-cobert/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2182643

## Contact

- View profile at GMFS Mortgage: https://gmfsmortgage.com/loan-officers/joy-cobert/

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2182643
- lender_site: https://gmfsmortgage.com/loan-officers/joy-cobert/

Cite as: Joy Cobert (NMLS 2182643), GMFS Mortgage. LenDb.ai, https://lendb.ai/lo/joy-cobert-2182643, last verified 2026-10-09.

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