---
canonical_url: https://lendb.ai/lo/kevin-pham-1420831
json_url: https://lendb.ai/lo/kevin-pham-1420831.json
nmls_id: 1420831
last_verified: 2026-10-28
---

# Kevin Pham

Loan officer at Lumin Lending Inc.. NMLS ID 1420831 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1420831)).

Kevin Pham (NMLS 1420831) is a mortgage loan officer at Lumin Lending Inc., licensed in Florida, Texas, Oregon and 2 more states.

**Summary:** Kevin Pham (NMLS 1420831) is a loan officer at Lumin Lending Inc.. Licensed in 5 states confirmed with state regulators: Florida, Texas, Oregon, Wyoming and Illinois. Earliest state license record: May 11, 2016 (Wisconsin), per state regulator. Last verified 2026-10-28.

## Quick answers

### Is Kevin licensed in Florida?

Yes. Florida regulator records list license LO151205 as active, first effective September 24, 2026 (verified 2026-10-15). LenDb has 4 other states on file for Kevin. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

### What lender does Kevin work for?

Lumin Lending Inc., company NMLS 2716106, per the lender's own site (verified 2026-10-13). Source: https://www.sml.texas.gov/.

### How long has Kevin been licensed?

The earliest state license record LenDb holds for Kevin is from May 11, 2016 (Wisconsin regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/.

## At a glance

- Earliest state license record: May 11, 2016 (Wisconsin), 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): Kevin D. Pham (FL, OR, TX, WY, as of 2026-10-27)
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Oregon (OR, confirmed), Wyoming (WY, confirmed), Illinois (IL, 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 | LO151205 | active | confirmed | 2026-09-24 | state_regulator | 2026-10-15 |
| TX | Texas regulator | state_license | n/a | active | confirmed | 2017-01-12 | state_regulator | 2026-10-13 |
| OR | Oregon regulator | state_license | 1420831 | active | confirmed | 2022-04-12 | state_regulator | 2026-10-20 |
| WI | Wisconsin regulator | state_license | 1420831 | expired | confirmed | 2016-05-11 | state_regulator | 2026-10-21 |
| WY | Wyoming regulator | state_license | 109131 | active | confirmed | 2025-09-02 | state_regulator | 2026-10-27 |
| IL | Illinois regulator | state_license | 31.0091402 | active | confirmed | 2025-08-29 | state_regulator | 2026-10-28 |

## Employment history

- ? to present: Lumin Lending Inc. (NMLS 2716106). 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/1420831

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1420831
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://dfr.oregon.gov/
- state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/
- state_regulator: https://wyomingbankingdivision.wyo.gov/
- state_regulator: https://idfpr.illinois.gov/banks/resfin.html

Cite as: Kevin Pham (NMLS 1420831), Lumin Lending Inc.. LenDb.ai, https://lendb.ai/lo/kevin-pham-1420831, last verified 2026-10-28.

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