---
canonical_url: https://lendb.ai/lo/kathy-cole-1116055
json_url: https://lendb.ai/lo/kathy-cole-1116055.json
nmls_id: 1116055
last_verified: 2026-10-09
---

# Kathy Cole

Mortgage Loan Officer at Loan Factory, CA. NMLS ID 1116055 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1116055)).

**Summary:** Kathy Cole (NMLS 1116055) is Mortgage Loan Officer at Loan Factory, based in California. Lists California on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Non-QM loan and Real estate investor. States 39 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Years experience (stated by the LO): 39 (source: https://www.loanfactory.com/mortgage-expert/kathy-cole-1116055, verified 2026-10-09)
- Licensed in: California (CA, 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

- **Non-QM loan** (`non-qm`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/kathy-cole-1116055
- **Real estate investor** (`investor`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/kathy-cole-1116055

## About

Kathy Cole has 39 years of mortgage lending experience serving clients in California. They specialize in Non-QM loans, commercial properties, and multi-unit investments.

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

## Facts from the lender page and intro

- years_experience: 39. Source: https://www.loanfactory.com/mortgage-expert/kathy-cole-1116055, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: Loan Factory (NMLS 320841), CA. Source: https://www.loanfactory.com/mortgage-expert/kathy-cole-1116055, 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/1116055

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/kathy-cole-1116055

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1116055
- lender_site: https://www.loanfactory.com/mortgage-expert/kathy-cole-1116055

Cite as: Kathy Cole (NMLS 1116055), Loan Factory. LenDb.ai, https://lendb.ai/lo/kathy-cole-1116055, last verified 2026-10-09.

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