---
canonical_url: https://lendb.ai/lo/lachu-siwakoti-2077921
json_url: https://lendb.ai/lo/lachu-siwakoti-2077921.json
nmls_id: 2077921
last_verified: 2026-10-09
---

# Lachu Mon Siwakoti

Mortgage Loan Officer at Loan Factory. NMLS ID 2077921 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2077921)).

**Summary:** Lachu Mon Siwakoti (NMLS 2077921) is Mortgage Loan Officer at Loan Factory. Licensed in Pennsylvania, confirmed with the state regulator (license 90324). Also lists California, Kentucky, Maryland, North Carolina, Ohio, Tennessee and Texas on the lender page (not yet checked with the state regulator). Speaks English, Hindi and Nepali. Earliest state license record: October 2, 2024 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: October 2, 2024 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Pennsylvania (PA, confirmed), California (CA, lender_reported), Kentucky (KY, lender_reported), Maryland (MD, lender_reported), North Carolina (NC, lender_reported), Ohio (OH, lender_reported), Tennessee (TN, lender_reported), Texas (TX, 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, Hindi, Nepali
- Profile: unclaimed
- Status: active

## Specialties


## About

Came from social services background with strong communication skills. Has spent years in mortgage industry with expertise in various loan programs and home purchase financing for first-time buyers and investors.

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

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO132171 | expired | confirmed | 2024-10-02 | state_regulator | 2026-10-09 |
| PA | state_license | 90324 | active | confirmed |  | state_regulator | 2026-10-10 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| KY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OH | 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 |
| TX | 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/lachu-mon-siwakoti-2077921, 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/2077921

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/lachu-mon-siwakoti-2077921

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2077921
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- state_regulator: https://data.pa.gov/d/tyxc-jyug
- lender_site: https://www.loanfactory.com/mortgage-expert/lachu-mon-siwakoti-2077921

Cite as: Lachu Mon Siwakoti (NMLS 2077921), Loan Factory. LenDb.ai, https://lendb.ai/lo/lachu-siwakoti-2077921, last verified 2026-10-09.

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