---
canonical_url: https://lendb.ai/lo/oswaldo-angel-1909098
json_url: https://lendb.ai/lo/oswaldo-angel-1909098.json
nmls_id: 1909098
last_verified: 2026-10-09
---

# Oswaldo Angel

Mortgage Loan Officer at Loan Factory, CA. NMLS ID 1909098 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1909098)).

**Summary:** Oswaldo Angel (NMLS 1909098) is Mortgage Loan Officer at Loan Factory, based in California. Lists California on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. States 26 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 26 (source: https://www.loanfactory.com/mortgage-expert/oswaldo-angel-1909098, verified 2026-10-09)
- 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: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.80, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/oswaldo-angel-1909098

## About

Oswaldo Angel is a USC and Pepperdine University graduate with 26 years in education and mentoring. He transitioned to mortgage lending 5 years ago and now guides homebuyers, refinancers, and ADU builders with a teacher-first approach, emphasizing education and clear communication.

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

## Facts from the lender page and intro

- years_experience: 26. Source: https://www.loanfactory.com/mortgage-expert/oswaldo-angel-1909098, verified 2026-10-09.
- education: USC graduate with a Master's degree from Pepperdine University. Source: https://www.loanfactory.com/mortgage-expert/oswaldo-angel-1909098, verified 2026-10-09.
- credential: professional mortgage license for 5 years. Source: https://www.loanfactory.com/mortgage-expert/oswaldo-angel-1909098, verified 2026-10-09.
- community: Offers free monthly loan fundamentals classes for K-12 students to build financial literacy. Source: https://www.loanfactory.com/mortgage-expert/oswaldo-angel-1909098, 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/oswaldo-angel-1909098, 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/1909098

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/oswaldo-angel-1909098
- Email on file: shown at https://lendb.ai/lo/oswaldo-angel-1909098#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1909098
- lender_site: https://www.loanfactory.com/mortgage-expert/oswaldo-angel-1909098

Cite as: Oswaldo Angel (NMLS 1909098), Loan Factory. LenDb.ai, https://lendb.ai/lo/oswaldo-angel-1909098, last verified 2026-10-09.

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