{ "canonical_url": "https://lendb.ai/lang/vi/arizona", "summary": "As of 2026-10-15, LenDb lists 23 loan officers licensed in or based in Arizona whose lender pages say they speak Vietnamese. The top-ranked are Thoai Pham (Kama'aina Mortgage Group Inc., Honolulu), Duc Dang (Loan Factory) and Thomas Nguyen (Loan Factory, Westminster). Ranking is lender-neutral: a license in AZ, branch location, experience and profile completeness. Nobody pays for placement. Languages come only from loan officers' own lender pages, and most lender pages do not list languages. A loan officer missing from this list may still speak it: not listed means not stated, not that they do not speak it.", "language": "vi", "state": "AZ", "total": 23, "last_verified": "2026-10-15", "results": [ { "rank": 1, "score": 33.5, "loan_officer": { "nmls_id": 378733, "slug": "thoai-pham-378733", "full_name": "Thoai 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" } ], "canonical_url": "https://lendb.ai/lo/thoai-pham-378733", "json_url": "https://lendb.ai/lo/thoai-pham-378733.json", "lender": { "nmls_id": 1276471, "name": "Kama'aina Mortgage Group Inc.", "slug": "kama-aina-mortgage-group-inc-1276471", "canonical_url": "https://lendb.ai/lender/kama-aina-mortgage-group-inc-1276471", "type": "imb" }, "branch": { "city": "Honolulu", "state": "HI" }, "headshot_url": "https://cdn.prod.website-files.com/692ed72deeca580e1cf7f297/6a146b3a6cb8cd0238ab7f71_Thoai%20Pham%201.webp", "licensed_states": [ "TX", "AZ", "CA", "HI", "NV", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "vi" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2021-05-04", "state": "CA" }, "licensed_since": { "year": 2021, "state": "CA" }, "years_experience": 20, "lender_profile_url": "https://www.kmghawaii.com/team-member/thoai-pham", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Vietnamese (lender page, verified 2026-10-15)", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: May 4, 2021 (California), per state regulator", "States 20 years of experience (lender page, 2026-10-15)" ], "canonical_url": "https://lendb.ai/lo/thoai-pham-378733", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-15", "source_url": "https://www.kmghawaii.com/team-member/thoai-pham" } }, { "rank": 2, "score": 32, "loan_officer": { "nmls_id": 854019, "slug": "duc-dang-854019", "full_name": "Duc Dang", "licensed_names": [ { "name": "Duc Dang", "name_with_middle_initial": "Duc H. Dang", "first_name": "Duc", "middle_initial": "H", "last_name": "Dang", "states": [ "CA", "CO", "FL", "MD", "OR", "TX" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/duc-dang-854019", "json_url": "https://lendb.ai/lo/duc-dang-854019.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "slug": "loan-factory-320841", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": null }, "headshot_url": "https://lh3.googleusercontent.com/hpoNYAqoXx7uh8K9UsxOS1O5hsEse_Up6t2etY0N81uWj9d5iIo8v_cX8E_Zr4c0SdgUOXTOjhXXJcU-DFGIQQNkT7gJ7uF3WCsu", "licensed_states": [ "CO", "FL", "AZ", "CA", "DC", "MD", "MN", "OR", "TX" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "vi" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2020-04-27", "state": "CA" }, "licensed_since": { "year": 2020, "state": "CA" }, "years_experience": 20, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/duc-dang-854019", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Vietnamese (lender page, verified 2026-10-09)", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: April 27, 2020 (California), per state regulator", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/duc-dang-854019", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/duc-dang-854019" } }, { "rank": 3, "score": 32, "loan_officer": { "nmls_id": 2184794, "slug": "thomas-nguyen-2184794", "full_name": "Thomas Nguyen", "canonical_url": "https://lendb.ai/lo/thomas-nguyen-2184794", "json_url": "https://lendb.ai/lo/thomas-nguyen-2184794.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "slug": "loan-factory-320841", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": "Westminster", "state": "CA" }, "headshot_url": "https://lh3.googleusercontent.com/mJ4k-oVQBJ3UHlx0d9iH-O3Lcg57HHDz6_lqHHY_nM9mckx4Q_Loh3LKudrtr3BzjjTPFBIFuuAlBT1275QEL9eb_AgVIFMWtf4", "licensed_states": [ "FL", "AK", "AL", "AZ", "CA", "CO", "DC", "DE", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "NC", "ND", "NH", "NV", "OH", "OR", "PA", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WY" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "vi" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2025-12-26", "state": "IA" }, "licensed_since": { "year": 2025, "state": "IA" }, "years_experience": 24, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/thomas-nguyen-2184794", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Vietnamese (lender page, verified 2026-10-09)", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: December 26, 2025 (Iowa), per state regulator", "States 24 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/thomas-nguyen-2184794", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/thomas-nguyen-2184794" } }, { "rank": 4, "score": 31.8, "loan_officer": { "nmls_id": 1123864, "slug": "nancy-hoang-1123864", "full_name": "Nancy Hoang", "canonical_url": "https://lendb.ai/lo/nancy-hoang-1123864", "json_url": "https://lendb.ai/lo/nancy-hoang-1123864.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "slug": "loan-factory-320841", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": "AZ" }, "headshot_url": "https://lh3.googleusercontent.com/O_YcNN2Rttk37GlsOfhdbx1aoeggMw1ys5bjDF1QoiBUWTVSwNHLQAcKGsnSeUVI5f0sxEiPqdH9WkOWPw4__tAiDEpPmvxt6fmv", "licensed_states": [ "AZ" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "vi" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/nancy-hoang-1123864", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Vietnamese (lender page, verified 2026-10-09)", "Office in Arizona", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/nancy-hoang-1123864", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/nancy-hoang-1123864" } }, { "rank": 5, "score": 31, "loan_officer": { "nmls_id": 320775, "slug": "thuan-nguyen-320775", "full_name": "Thuan Nguyen", "licensed_names": [ { "name": "Thuan Nguyen", "name_with_middle_initial": "Thuan T. Nguyen", "first_name": "Thuan", "middle_initial": "T", "last_name": "Nguyen", "states": [ "AR", "CA", "DE", "FL", "IA", "MA", "MD", "MO", "OR", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/thuan-nguyen-320775", "json_url": "https://lendb.ai/lo/thuan-nguyen-320775.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "slug": "loan-factory-320841", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": null }, "headshot_url": "https://lh3.googleusercontent.com/BEZwF-8_6QHJRdN2uVlkiZo8nWaZvbE2cNeq-CE6XgEmxxwDSFCZS7aIG4L_bMFZpGAu4HOsa8iM7c0gXKS45dJCjWtEUcy4scU", "licensed_states": [ "FL", "AK", "AL", "AR", "AZ", "CA", "CO", "DC", "DE", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "confirmed" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "confirmed" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WV", "confidence": "lender_reported" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "vi" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2014-04-29", "state": "TX" }, "licensed_since": { "year": 2014, "state": "TX" }, "years_experience": 18, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/thuan-nguyen-320775", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Vietnamese (lender page, verified 2026-10-09)", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: April 29, 2014 (Texas), per state regulator", "States 18 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/thuan-nguyen-320775", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/thuan-nguyen-320775" } }, { "rank": 6, "score": 27, "loan_officer": { "nmls_id": 1138649, "slug": "terry-huy-nguyen-1138649", "full_name": "Terry Huy Nguyen", "canonical_url": "https://lendb.ai/lo/terry-huy-nguyen-1138649", "json_url": "https://lendb.ai/lo/terry-huy-nguyen-1138649.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "slug": "loan-factory-320841", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": null }, "headshot_url": "https://lh3.googleusercontent.com/4SHdI5ik4l287BrhZH7ehmmu1CiXbyy7Ebj9RnCdE1PuPFaisHgX9wU3ZLujh1D_1t8ac6dohVaXKvd4J3qVKgjJKlXxOPpYtka4iw", "licensed_states": [ "FL", "AZ", "CA", "HI", "MN", "TX", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "vi" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2021-08-27", "state": "TX" }, "licensed_since": { "year": 2021, "state": "TX" }, "years_experience": 10, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/terry-huy-nguyen-1138649", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Vietnamese (lender page, verified 2026-10-09)", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: August 27, 2021 (Texas), per state regulator", "States 10 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/terry-huy-nguyen-1138649", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/terry-huy-nguyen-1138649" } }, { "rank": 7, "score": 27, "loan_officer": { "nmls_id": 2381618, "slug": "anne-nguyen-2381618", "full_name": "Anne Nguyen", "canonical_url": "https://lendb.ai/lo/anne-nguyen-2381618", "json_url": "https://lendb.ai/lo/anne-nguyen-2381618.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "slug": "loan-factory-320841", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": null }, "headshot_url": "https://lh3.googleusercontent.com/nK_lAOuH7_2nUCUkmU_yjR4yTiU0--KzSPUWdNMW5FHCNM7jG2fBViTKESco6IFIpmzncfmy_TPO8PGy0XG8T00-Y526j7RspizvQw", "licensed_states": [ "FL", "AZ", "CA", "KS", "MD", "MO", "NE", "OH", "PA", "TX", "VA", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MD", "confidence": "confirmed" }, { "state": "MO", "confidence": "confirmed" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "vi" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2022-10-07", "state": "CA" }, "licensed_since": { "year": 2022, "state": "CA" }, "years_experience": 10, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/anne-nguyen-2381618", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Vietnamese (lender page, verified 2026-10-09)", "AZ listed on their lender page (not yet checked with the state regulator; 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