---
canonical_url: https://lendb.ai/lo/phi-tran-1964446
json_url: https://lendb.ai/lo/phi-tran-1964446.json
nmls_id: 1964446
last_verified: 2026-10-09
---

# Phi Tran

Mortgage Loan Officer at Loan Factory, TX. NMLS ID 1964446 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1964446)).

**Summary:** Phi Tran (NMLS 1964446) is Mortgage Loan Officer at Loan Factory, based in Texas. Lists Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: 1099 income, Bank statement loan, Down payment assistance, FHA loan and Jumbo loan. 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.
- Licensed in: 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: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **1099 income** (`1099-income`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/phi-tran-1964446
- **Bank statement loan** (`bank-statement`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/phi-tran-1964446
- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/phi-tran-1964446
- **FHA loan** (`fha`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/phi-tran-1964446
- **Jumbo loan** (`jumbo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/phi-tran-1964446
- **Self-employed** (`self-employed`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/phi-tran-1964446
- **VA loan** (`va`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/phi-tran-1964446
- **DSCR loan** (`dscr`): lender page, confidence 0.63, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/phi-tran-1964446
- **Real estate investor** (`investor`): lender page, confidence 0.48, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/phi-tran-1964446

## About

Phi Tran is a mortgage broker at Loan Factory who helps homebuyers, homeowners, and real estate investors secure competitive loan options by combining personalized guidance with AI-powered technology. Compares options across 229+ lenders.

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

## Facts from the lender page and intro

- role: mortgage broker. Source: https://www.loanfactory.com/mortgage-expert/phi-tran-1964446, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841), TX. Source: https://www.loanfactory.com/mortgage-expert/phi-tran-1964446, 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/1964446

## Contact

- linkedin_url: https://www.linkedin.com/in/phi-tran-4b126131/ (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/phi-tran-1964446

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1964446
- lender_site: https://www.loanfactory.com/mortgage-expert/phi-tran-1964446

Cite as: Phi Tran (NMLS 1964446), Loan Factory. LenDb.ai, https://lendb.ai/lo/phi-tran-1964446, last verified 2026-10-09.

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