James Pham
Mortgage Loan Officer at Loan Factory
NMLS ID 2633990 (opens in a new tab) · verify at NMLS Consumer Access
James Pham (NMLS 2633990) is Mortgage Loan Officer at Loan Factory. Licensed in Florida, confirmed with the state regulator (license LO134300). Also lists Michigan, Texas and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Self-employed. Speaks English and Vietnamese. Licensed since 2025 (per Florida records).
Last verified . Sources: Loan Factory (loanfactory.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Licensed since 2025 (per Florida records)
- 4 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Where we saw these: loanfactory.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
- English
- Vietnamese
Source: lender site (opens in a new tab), verified 2026-10-09
Licensed states
Florida, Michigan, Texas, Virginia
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO134300, since 2025), verified 2026-10-09.
Lender-reported: MI, TX, VA are listed on the lender page, not yet checked with the state regulator.
Contact
- Profile (opens in a new tab)
We never see who you contact.
Employment history
Loan Factory NMLS 320841
Current · seen on lender site 2026-10-09
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
James specializes in tailored mortgage solutions for first-time homebuyers, investors, and foreign nationals. He offers FHA, conventional, and VA loans, plus Non-QM and DSCR programs for self-employed individuals and real estate investors.
Our summary of the lender page. Verified 2026-10-09.
- Credentials
- Licensed in Florida, Michigan, Texas, and Virginia
- Source (opens in a new tab), verified 2026-10-09
Sources
| Name and employer | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-09 |
| Licensed states | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Specialties | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Languages | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: James Pham (NMLS 2633990), Loan Factory. LenDb.ai, https://lendb.ai/lo/james-pham-2633990, last verified 2026-10-09.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.