---
canonical_url: https://lendb.ai/lo/kristian-lau-2664051
json_url: https://lendb.ai/lo/kristian-lau-2664051.json
nmls_id: 2664051
last_verified: 2026-10-09
---

# Kristian Lau

Mortgage Loan Officer at Loan Factory, CA. NMLS ID 2664051 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2664051)).

**Summary:** Kristian Lau (NMLS 2664051) is Mortgage Loan Officer at Loan Factory, based in California. Lists California on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: HELOC, Non-QM loan and Reverse mortgage. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or 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: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **HELOC** (`heloc`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/kristian-lau-2664051
- **Non-QM loan** (`non-qm`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/kristian-lau-2664051
- **Reverse mortgage** (`reverse`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/kristian-lau-2664051

## About

Kristian specializes in brokering loans for residential and commercial properties, home equity lines, and refinances for first-time buyers, real estate investors, and business owners.

Source: LenDb summary of the lender page, 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), CA. Source: https://www.loanfactory.com/mortgage-expert/kristian-lau-2664051, 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/2664051

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/kristian-lau-2664051

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2664051
- lender_site: https://www.loanfactory.com/mortgage-expert/kristian-lau-2664051

Cite as: Kristian Lau (NMLS 2664051), Loan Factory. LenDb.ai, https://lendb.ai/lo/kristian-lau-2664051, last verified 2026-10-09.

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