---
canonical_url: https://lendb.ai/lo/rd-lay-cabrera-2445395
json_url: https://lendb.ai/lo/rd-lay-cabrera-2445395.json
nmls_id: 2445395
last_verified: 2026-10-09
---

# RD Lay Cabrera

Mortgage Loan Officer at Loan Factory. NMLS ID 2445395 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2445395)).

**Summary:** RD Lay Cabrera (NMLS 2445395) is Mortgage Loan Officer at Loan Factory. Lists Texas on the lender page (not yet checked with the state regulator). Speaks English and Spanish. 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.
- Licensed in: Texas (TX, 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: English, Spanish
- Profile: unclaimed
- Status: active

## Specialties


## Licenses

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

## Employment history

- ? to present: Loan Factory (NMLS 320841). Source: https://www.loanfactory.com/mortgage-expert/rd-lay-cabrera-2445395, 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/2445395

## Contact

- linkedin_url: https://www.linkedin.com/in/rubys-delvys-lay-cabrera-0888b611a (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/rd-lay-cabrera-2445395

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2445395
- lender_site: https://www.loanfactory.com/mortgage-expert/rd-lay-cabrera-2445395

Cite as: RD Lay Cabrera (NMLS 2445395), Loan Factory. LenDb.ai, https://lendb.ai/lo/rd-lay-cabrera-2445395, last verified 2026-10-09.

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