---
canonical_url: https://lendb.ai/lo/nicholas-pham-2780220
json_url: https://lendb.ai/lo/nicholas-pham-2780220.json
nmls_id: 2780220
last_verified: 2026-10-26
---

# Nicholas Pham

IGNITE Loan Officer at INDEPENDENCE HOME LOANS LLC. NMLS ID 2780220 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2780220)).

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.

**Summary:** Nicholas Pham (NMLS 2780220) is IGNITE Loan Officer at INDEPENDENCE HOME LOANS LLC. Licensed in 3 states confirmed with state regulators: Florida, California and Maryland. Focus areas shown on the lender page: VA loan. Earliest state license record: December 10, 2025 (Florida), per state regulator. Last verified 2026-10-26.

## 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: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

### Does Nicholas do VA loans?

Nicholas's profile lists VA loan as a focus (from their lender profile page). Source: https://independencehl.com/nicholas-pham/.

### What lender does Nicholas work for?

INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15). Source: https://independencehl.com/nicholas-pham/.

### 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: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

## At a glance

- Earliest state license record: December 10, 2025 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Also licensed as (state regulator records, same NMLS ID): Nicholas A. Pham (CA, FL, MD, as of 2026-10-26)
- Licensed in: Florida (FL, confirmed), California (CA DFPI, confirmed), Maryland (MD, confirmed)
- 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.)
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- **VA loan** (`va`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://independencehl.com/nicholas-pham/

## Facts from the lender page and intro

- other: Background in high-end client advising and business consulting. Source: https://independencehl.com/nicholas-pham/, verified 2026-10-15.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO143402 | active | confirmed | 2025-12-10 | state_regulator | 2026-10-15 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI2780220 | active | confirmed | 2026-01-08 | state_regulator | 2026-10-24 |
| MD | Maryland regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-26 |

## Employment history

- ? to present: INDEPENDENCE HOME LOANS LLC (NMLS 2524174). Source: https://independencehl.com/nicholas-pham/, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2780220

## Contact

- View profile at INDEPENDENCE HOME LOANS LLC: https://independencehl.com/nicholas-pham/
- Office phone and Email on file: shown at https://lendb.ai/lo/nicholas-pham-2780220#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2780220
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://dfpi.ca.gov/
- state_regulator: https://www.labor.maryland.gov/finance/
- lender_site: https://independencehl.com/nicholas-pham/

Cite as: Nicholas Pham (NMLS 2780220), INDEPENDENCE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/nicholas-pham-2780220, last verified 2026-10-26.

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