---
canonical_url: https://lendb.ai/lo/kyle-lai-1455132
json_url: https://lendb.ai/lo/kyle-lai-1455132.json
nmls_id: 1455132
last_verified: 2026-10-09
---

# Kyle Lai

Mortgage Loan Officer at Loan Factory, CA. NMLS ID 1455132 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1455132)).

**Summary:** Kyle Lai (NMLS 1455132) is Mortgage Loan Officer at Loan Factory, based in California. Lists California on the lender page (not yet checked with the state regulator). Speaks English and Vietnamese. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not 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: English, Vietnamese
- Profile: unclaimed
- Status: active

## Specialties


## About

Kyle Lai, a Cal State Long Beach graduate in Finance and International Business, brings expertise in Freddie Mac and Fannie Mae guidelines and prioritizes transparency and competitive pricing for clients.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- education: Cal State Long Beach, dual majors in Finance and International Business. Source: https://www.loanfactory.com/mortgage-expert/kyle-lai-1455132, verified 2026-10-09.
- role: Started career as loan processor. Source: https://www.loanfactory.com/mortgage-expert/kyle-lai-1455132, verified 2026-10-09.
- credential: Comprehensive knowledge of Freddie Mac and Fannie Mae guidelines. Source: https://www.loanfactory.com/mortgage-expert/kyle-lai-1455132, 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/kyle-lai-1455132, 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/1455132

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/kyle-lai-1455132

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1455132
- lender_site: https://www.loanfactory.com/mortgage-expert/kyle-lai-1455132

Cite as: Kyle Lai (NMLS 1455132), Loan Factory. LenDb.ai, https://lendb.ai/lo/kyle-lai-1455132, last verified 2026-10-09.

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