Kolby Gibson
Branch Manager at American Pacific Mortgage · Encinitas, CA
NMLS ID 324487 (opens in a new tab) · verify at NMLS Consumer Access
Kolby Gibson (NMLS 324487) is Branch Manager at American Pacific Mortgage, based in Encinitas, CA. Licensed in 9 states: Florida, Alabama, California, Montana, North Carolina, Nevada, South Carolina, Washington and 1 more. Focus areas shown on the lender page: FHA loan and VA loan. 4 years licensed.
Last verified . Sources: American Pacific Mortgage (apmortgage.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- 4 years licensed
- 9 states
- Unclaimed profile
- No actions on file
Specialties
Where we saw these: apmortgage.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
Florida, Alabama, California, Montana, North Carolina, Nevada, South Carolina, Washington, Wisconsin
Confirmed with the state regulator: FL (opens in a new tab) (LO100496, since 2022), verified 2026-10-09.
Others as listed on the lender page (AL, CA, MT, NC, NV, SC, WA, WI), not yet checked against state regulators.
Contact
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Employment history
American Pacific Mortgage NMLS 1850
Current · Encinitas, CA · seen on lender site 2026-10-09
Disciplinary actions
None on record
Regulator orders are not loaded yet. Check NMLS Consumer Access.
About
Kolby has served California borrowers for over 30 years, specializing in conventional, FHA, and VA loans. Recognized as a Top 1% mortgage originator in America in 2020 and 2021, he has been branch manager for over 10 years.
Our summary of the lender page. Verified 2026-10-09.
- Credentials
- Top 1% of Mortgage Originators in America in 2021 and 2020
- Source (opens in a new tab), verified 2026-10-09
- Education
- Bachelor of Science in Business from Cal State Northridge, 1984
- Source (opens in a new tab), verified 2026-10-09
- Credentials
- California Real Estate Brokers License (1998) and Sales License (1989)
- Source (opens in a new tab), verified 2026-10-09
Reviews
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LenDb reviews
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Sources
| Name and employer | lender site · apmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-09 |
| Licensed states | lender site · apmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Specialties | lender site · apmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · apmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Contact | lender site · apmortgage.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Kolby Gibson (NMLS 324487), American Pacific Mortgage. LenDb.ai, https://lendb.ai/lo/kolby-gibson-324487, last verified 2026-10-09.
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