---
canonical_url: https://lendb.ai/lo/duc-pham-844897
json_url: https://lendb.ai/lo/duc-pham-844897.json
nmls_id: 844897
last_verified: 2026-10-24
---

# Duc Pham

Loan officer at Wonder Rates, Inc., Houston, TX. NMLS ID 844897 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/844897)).

Duc Pham, NMLS 844897, works as a mortgage loan officer at Wonder Rates, Inc. in Houston, Texas and is licensed in California since 2013 and in Florida, Texas and Oregon.

**Summary:** Duc Pham (NMLS 844897) is a loan officer at Wonder Rates, Inc., based in Houston, TX. Licensed in 4 states confirmed with state regulators: Florida, Texas, California and Oregon. Earliest state license record: November 7, 2013 (California), per state regulator. Last verified 2026-10-24.

## Quick answers

### Is Duc licensed in Texas?

Yes. Texas regulator records list a license as active, first effective March 28, 2022 (verified 2026-10-13). LenDb has 3 other states on file for Duc. Source: https://www.sml.texas.gov/.

### What lender does Duc work for?

Wonder Rates, Inc., company NMLS 1518655, from the Houston, TX office, per the lender's own site (verified 2026-10-13). Source: https://www.sml.texas.gov/.

### How long has Duc been licensed?

The earliest state license record LenDb holds for Duc is from November 7, 2013 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfpi.ca.gov/.

## At a glance

- Earliest state license record: November 7, 2013 (California), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Also licensed as (state regulator records, same NMLS ID): Duc M. Pham (CA, FL, OR, TX, as of 2026-10-22)
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), California (CA DRE, confirmed), Oregon (OR, confirmed), California (CA DFPI, confirmed)
- 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.)
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO117006 | active | confirmed | 2023-01-27 | state_regulator | 2026-10-15 |
| TX | Texas regulator | state_license | n/a | active | confirmed | 2022-03-28 | state_regulator | 2026-10-13 |
| CA | California Department of Real Estate | state_license | 01905915 | active | confirmed |  | state_regulator | 2026-10-24 |
| OR | Oregon regulator | state_license | n/a | active | confirmed | 2026-04-07 | state_regulator | 2026-10-20 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DBO844897 | active | confirmed | 2013-11-07 | state_regulator | 2026-10-24 |

## Employment history

- ? to present: Wonder Rates, Inc. (NMLS 1518655), Houston, TX. Source: https://www.sml.texas.gov/, verified 2026-10-13.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/844897

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/844897
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html
- state_regulator: https://dfr.oregon.gov/
- state_regulator: https://dfpi.ca.gov/

Cite as: Duc Pham (NMLS 844897), Wonder Rates, Inc.. LenDb.ai, https://lendb.ai/lo/duc-pham-844897, last verified 2026-10-24.

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