Collaborative Capital - Independent Mortgage Broker NMLS 278724 – 738 Debbie St

Collaborative Capital appears to function as an independent mortgage broker entity, operating under the NMLS framework. The organization’s designation suggests a model oriented toward brokerage services rather than direct lending, with adherence to industry licensing requirements. Historically, independent mortgage brokerages emerged to offer borrowers access to multiple lenders and loan programs, emphasizing transparency and service continuity within a regulated environment. This aligns with the broader regulatory intent behind national licensing systems established to standardize originator conduct and client communications. At the stated address in Newbury Park, California, the firm would typically provide loan origination support, lender coordination, and documents processing within its jurisdiction. The primary functions likely include evaluating borrower needs, presenting loan options from various lenders, and facilitating the application process while maintaining compliance with state and federal mortgage rules.