---
canonical_url: https://lendb.ai/lo/kolby-gibson-324487
json_url: https://lendb.ai/lo/kolby-gibson-324487.json
nmls_id: 324487
last_verified: 2026-10-09
---

# Kolby Gibson

Branch Manager at American Pacific Mortgage, Encinitas, CA. NMLS ID 324487 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/324487)).

**Summary:** Kolby Gibson (NMLS 324487) is Branch Manager at American Pacific Mortgage, based in Encinitas, CA. Licensed in Florida, confirmed with the state regulator (license LO100496). Also lists Alabama, California, Montana, North Carolina, Nevada, South Carolina, Washington and Wisconsin on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan and VA loan. Licensed since 2022 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2022 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), California (CA, lender_reported), Montana (MT, lender_reported), North Carolina (NC, lender_reported), Nevada (NV, lender_reported), South Carolina (SC, lender_reported), Washington (WA, lender_reported), Wisconsin (WI, 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

- **FHA loan** (`fha`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.apmortgage.com/kolby-gibson
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.apmortgage.com/kolby-gibson

## About

Kolby has served California borrowers for over 30 years, specializing in Conventional, FHA, and VA Loans. He was recognized as Top 1% of Mortgage Originators in 2020 and 2021.

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

## Facts from the lender page and intro

- years_experience: over 30. Source: https://www.apmortgage.com/kolby-gibson, verified 2026-10-09.
- credential: Top 1% of Mortgage Originators in America in 2021 and 2020. Source: https://www.apmortgage.com/kolby-gibson, verified 2026-10-09.
- education: Bachelor of Science in Business from Cal State Northridge, 1984. Source: https://www.apmortgage.com/kolby-gibson, verified 2026-10-09.
- credential: California Real Estate Broker's License, obtained 1998. Source: https://www.apmortgage.com/kolby-gibson, verified 2026-10-09.
- credential: Sales License, obtained 1989. Source: https://www.apmortgage.com/kolby-gibson, verified 2026-10-09.
- role: Branch Manager for over 10 years at American Pacific Mortgage. Source: https://www.apmortgage.com/kolby-gibson, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO100496 | active | confirmed | 2022-01-14 | state_regulator | 2026-10-09 |
| AL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MT | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NV | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| SC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: American Pacific Mortgage (NMLS 1850), Encinitas, CA. Source: https://www.apmortgage.com/kolby-gibson, 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/324487

## Contact

- View profile at American Pacific Mortgage: https://www.apmortgage.com/kolby-gibson
- Office phone and Email on file: shown at https://lendb.ai/lo/kolby-gibson-324487#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/324487
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.apmortgage.com/kolby-gibson

Cite as: Kolby Gibson (NMLS 324487), American Pacific Mortgage. LenDb.ai, https://lendb.ai/lo/kolby-gibson-324487, last verified 2026-10-09.

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