{
  "canonical_url": "https://lendb.ai/lo/james-pham-2633990",
  "loan_officer": {
    "nmls_id": 2633990,
    "slug": "james-pham-2633990",
    "canonical_url": "https://lendb.ai/lo/james-pham-2633990",
    "md_url": "https://lendb.ai/lo/james-pham-2633990.md",
    "json_url": "https://lendb.ai/lo/james-pham-2633990.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2633990",
    "full_name": {
      "value": "James Pham",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/james-pham-2633990",
      "verified_at": "2026-10-09"
    },
    "first_name": "James",
    "last_name": "Pham",
    "headshot_url": {
      "value": "https://lh3.googleusercontent.com/noPOmv2_awnkhTnTH5uHKNrUf31P-tr46JEukhNk2Pl2CH_8GJX4R6aLiOFLLBrskGnLlQRn0D73EoHIPnK1I1sTqMT_RMVPCKV2",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/james-pham-2633990",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "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.",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/james-pham-2633990",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/james-pham-2633990",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [
        "en",
        "vi"
      ],
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/james-pham-2633990",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 1,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 320841,
      "lender_name": "Loan Factory",
      "lender_slug": "loan-factory-320841",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/james-pham-2633990",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/james-pham-2633990",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 320841,
        "lender_name": "Loan Factory",
        "lender_slug": "loan-factory-320841",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/james-pham-2633990",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/james-pham-2633990",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO134300",
        "status": "active",
        "issued_at": "2025-01-03",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "MI",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/james-pham-2633990",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/james-pham-2633990",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "VA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/james-pham-2633990",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/james-pham-2633990",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/khanh-duy-pham-38a8ba204/",
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/james-pham-2633990",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "credential",
        "value": "Licensed in Florida, Michigan, Texas, and Virginia",
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/james-pham-2633990",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "other",
        "value": "Strong background in finance",
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/james-pham-2633990",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 02:21:39.723901+00",
    "disciplinary_check": "not_checked",
    "gated_contact": null,
    "licensed_since": {
      "year": 2025,
      "state": "FL"
    },
    "federal_registration": null
  }
}