Nicholas Pham
IGNITE Loan Officer at INDEPENDENCE HOME LOANS LLC
NMLS ID 2780220 (opens in a new tab) · verify at NMLS Consumer Access
Nicholas Pham (NMLS 2780220) is an IGNITE Loan Officer at INDEPENDENCE HOME LOANS LLC, licensed in Florida since 2025 and in California and Maryland. Nicholas's lender page shows a focus on VA loan.
Last verified . Sources: INDEPENDENCE HOME LOANS LLC (independencehl.com), Florida state regulator, California state regulator, Maryland state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: December 10, 2025 (Florida), per state regulator
- 3 states
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is Nicholas licensed in Florida?
- Yes. Florida regulator records list license LO143402 as active, first effective December 10, 2025 (verified 2026-10-15). LenDb has 2 other states on file for Nicholas.
- Source: Florida state regulator (opens in a new tab)
- Does Nicholas do VA loans?
- Nicholas's profile lists VA loan as a focus (from their lender profile page).
- Source: lender page (opens in a new tab)
- What lender does Nicholas work for?
- INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15).
- Source: lender site (opens in a new tab)
- How long has Nicholas been licensed?
- The earliest state license record LenDb holds for Nicholas is from December 10, 2025 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
- Source: Florida state regulator (opens in a new tab)
Specialties
Focus
Where we saw these: independencehl.com (opens in a new tab)
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO143402, first effective 2025-12-10), CA DFPI (opens in a new tab) (CA-DFPI2780220, first effective 2026-01-08), MD (opens in a new tab), verified 2026-10-15.
Contact
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Employment history
INDEPENDENCE HOME LOANS LLC NMLS 2524174
Current · seen on lender site 2026-10-15
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
- Also
- Background in high-end client advising and business consulting
- Source (opens in a new tab), verified 2026-10-15
Sources
| Name and employer | lender site · independencehl.com (opens in a new tab) | verified 2026-10-15 |
| Licenses (regulator) | state regulator · labor.maryland.gov (opens in a new tab) | verified 2026-10-26 |
| Specialties | lender site · independencehl.com (opens in a new tab) | verified 2026-10-26 |
| Contact | lender site · independencehl.com (opens in a new tab) | verified 2026-10-15 |
| Photo | lender site · independencehl.com (opens in a new tab) | verified 2026-10-15 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Nicholas Pham (NMLS 2780220), INDEPENDENCE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/nicholas-pham-2780220, last verified 2026-10-26.
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