---
canonical_url: https://lendb.ai/lo/emma-t-2445770
json_url: https://lendb.ai/lo/emma-t-2445770.json
nmls_id: 2445770
last_verified: 2026-10-09
---

# Emma T

Mortgage Loan Officer at Loan Factory, San Jose, CA. NMLS ID 2445770 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2445770)).

**Summary:** Emma T (NMLS 2445770) is Mortgage Loan Officer at Loan Factory, based in San Jose, CA. Lists California on the lender page (not yet checked with the state regulator). Speaks English and Chinese. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: California (CA, 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, Chinese
- Profile: unclaimed
- Status: active

## Specialties


## About

Emma T works at the CA-San Jose branch and is fluent in Mandarin and English, dedicated to personalized mortgage solutions for California clients.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- service_area: California, San Jose branch. Source: https://www.loanfactory.com/mortgage-expert/emma-t-2445770, verified 2026-10-09.
- credential: Licensed in California. Source: https://www.loanfactory.com/mortgage-expert/emma-t-2445770, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: Loan Factory (NMLS 320841), San Jose, CA. Source: https://www.loanfactory.com/mortgage-expert/emma-t-2445770, 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/2445770

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/emma-t-2445770

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2445770
- lender_site: https://www.loanfactory.com/mortgage-expert/emma-t-2445770

Cite as: Emma T (NMLS 2445770), Loan Factory. LenDb.ai, https://lendb.ai/lo/emma-t-2445770, last verified 2026-10-09.

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