---
canonical_url: https://lendb.ai/lo/kate-ngo-2725534
json_url: https://lendb.ai/lo/kate-ngo-2725534.json
nmls_id: 2725534
last_verified: 2026-10-09
---

# Kate Ngo

Mortgage Loan Officer at Loan Factory. NMLS ID 2725534 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2725534)).

**Summary:** Kate Ngo (NMLS 2725534) is Mortgage Loan Officer at Loan Factory. Licensed in Florida, confirmed with the state regulator (license LO147453). Also lists Alabama and Tennessee on the lender page (not yet checked with the state regulator). Earliest state license record: May 4, 2026 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: May 4, 2026 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), Tennessee (TN, 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: not listed
- Profile: unclaimed
- Status: active

## Specialties


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO147453 | active | confirmed | 2026-05-04 | state_regulator | 2026-10-09 |
| AL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841). Source: https://www.loanfactory.com/mortgage-expert/kate-ngo-2725534, 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/2725534

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/kate-ngo-2725534

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2725534
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/kate-ngo-2725534

Cite as: Kate Ngo (NMLS 2725534), Loan Factory. LenDb.ai, https://lendb.ai/lo/kate-ngo-2725534, last verified 2026-10-09.

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