---
canonical_url: https://lendb.ai/lo/michelle-phan-2547482
json_url: https://lendb.ai/lo/michelle-phan-2547482.json
nmls_id: 2547482
last_verified: 2026-10-09
---

# Michelle Phan

Mortgage Loan Officer at Loan Factory. NMLS ID 2547482 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2547482)).

**Summary:** Michelle Phan (NMLS 2547482) is Mortgage Loan Officer at Loan Factory. Licensed in Colorado, confirmed with the state regulator (license 100541140). Also lists Missouri, Tennessee and Texas on the lender page (not yet checked with the state regulator). Speaks English and Vietnamese. Earliest state license record: March 15, 2024 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: March 15, 2024 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Colorado (CO, confirmed), Missouri (MO, 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, Vietnamese
- Profile: unclaimed
- Status: active

## Specialties


## About

Michelle helps individuals and families navigate the mortgage process with clear communication and straightforward guidance, focusing on making home financing easier to understand.

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

## Facts from the lender page and intro

- service_area: Colorado, Missouri, Tennessee, Texas. Source: https://www.loanfactory.com/mortgage-expert/michelle-phan-2547482, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO126916 | expired | confirmed | 2024-03-15 | state_regulator | 2026-10-09 |
| CO | state_license | 100541140 | active | confirmed | 2025-01-27 | state_regulator | 2026-10-10 |
| MO | 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/michelle-phan-2547482, 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/2547482

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/michelle-phan-2547482

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2547482
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=335476&contact=568443
- lender_site: https://www.loanfactory.com/mortgage-expert/michelle-phan-2547482

Cite as: Michelle Phan (NMLS 2547482), Loan Factory. LenDb.ai, https://lendb.ai/lo/michelle-phan-2547482, last verified 2026-10-09.

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