{
  "canonical_url": "https://lendb.ai/lo/thoai-pham-378733",
  "loan_officer": {
    "nmls_id": 378733,
    "slug": "thoai-pham-378733",
    "canonical_url": "https://lendb.ai/lo/thoai-pham-378733",
    "md_url": "https://lendb.ai/lo/thoai-pham-378733.md",
    "json_url": "https://lendb.ai/lo/thoai-pham-378733.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/378733",
    "full_name": {
      "value": "Thoai Pham",
      "source": "state_regulator",
      "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
      "verified_at": "2026-10-15"
    },
    "first_name": "Thoai",
    "last_name": "Pham",
    "licensed_names": [
      {
        "name": "Thoai Pham",
        "name_with_middle_initial": "Thoai T. Pham",
        "first_name": "Thoai",
        "middle_initial": "T",
        "last_name": "Pham",
        "states": [
          "CA",
          "TX"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-22"
      }
    ],
    "headshot_url": {
      "value": "https://cdn.prod.website-files.com/692ed72deeca580e1cf7f297/6a146b3a6cb8cd0238ab7f71_Thoai%20Pham%201.webp",
      "source": "state_regulator",
      "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Thoai Pham is a Team Manager and Senior Loan Officer with over 20 years of experience in Hawaii's lending market. They are licensed in HI, CA, NV, TX, WA and AZ and speak English and Vietnamese. They hold an MBA in Finance and say they were top-ranked by loan volume and units for several years.",
      "source": "state_regulator",
      "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Loan Doctors Team Manager | Senior Loan Officer",
      "source": "state_regulator",
      "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [
        "en",
        "vi"
      ],
      "source": "state_regulator",
      "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 20,
      "source": "lender_site",
      "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 1276471,
      "lender_name": "Kama'aina Mortgage Group Inc.",
      "lender_slug": "kama-aina-mortgage-group-inc-1276471",
      "branch_city": "Honolulu",
      "branch_state": "HI",
      "branch_zip": "96813",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.kmghawaii.com/team-member/thoai-pham",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1276471,
        "lender_name": "Kama'aina Mortgage Group Inc.",
        "lender_slug": "kama-aina-mortgage-group-inc-1276471",
        "branch_city": "Honolulu",
        "branch_state": "HI",
        "branch_zip": "96813",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.kmghawaii.com/team-member/thoai-pham",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2023-07-05",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      },
      {
        "state": "AZ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DFPI378733",
        "status": "active",
        "issued_at": "2021-05-04",
        "source": "state_regulator",
        "source_url": "https://dfpi.ca.gov/",
        "verified_at": "2026-10-24",
        "confidence": "confirmed",
        "regulator": "ca_dfpi",
        "regulator_name": "California Department of Financial Protection and Innovation"
      },
      {
        "state": "HI",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "NV",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "WA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "20",
        "source": "lender_site",
        "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "service_area",
        "value": "Hawaii",
        "source": "lender_site",
        "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "education",
        "value": "MBA in Finance; BA in Business Economics and Accounting, UC Santa Barbara",
        "source": "lender_site",
        "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "credential",
        "value": "Top-ranked loan officer for loan volume and number of units for several years",
        "source": "lender_site",
        "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-24",
    "updated_at": "2026-10-24 19:28:56.294761+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/thoai-pham-378733#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2021-05-04",
      "state": "CA"
    },
    "licensed_since": {
      "year": 2021,
      "state": "CA"
    },
    "federal_registration": null
  }
}