---
canonical_url: https://lendb.ai/lo/rachel-pham-1656687
json_url: https://lendb.ai/lo/rachel-pham-1656687.json
nmls_id: 1656687
last_verified: 2026-10-09
---

# Rachel Pham

Mortgage Loan Officer at Loan Factory. NMLS ID 1656687 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1656687)).

**Summary:** Rachel Pham (NMLS 1656687) is Mortgage Loan Officer at Loan Factory. Lists Indiana, Pennsylvania, Texas and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: 1099 income, First-time buyer, Real estate investor and Self-employed. Speaks English and Vietnamese. 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: Indiana (IN, lender_reported), Pennsylvania (PA, lender_reported), Texas (TX, lender_reported), Virginia (VA, 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

- **1099 income** (`1099-income`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/rachel-pham-1656687
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/rachel-pham-1656687
- **Real estate investor** (`investor`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/rachel-pham-1656687
- **Self-employed** (`self-employed`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/rachel-pham-1656687

## About

Rachel specializes in guiding borrowers through the mortgage process with expertise in first-time homebuyers, self-employed and 1099 borrowers, real estate investors, and complex financial profiles. She is bilingual in English and Vietnamese.

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

## Facts from the lender page and intro

- service_area: Indiana, Pennsylvania, Texas, Virginia. Source: https://www.loanfactory.com/mortgage-expert/rachel-pham-1656687, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| IN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| PA | 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 |
| VA | 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/rachel-pham-1656687, 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/1656687

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/rachel-pham-1656687

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1656687
- lender_site: https://www.loanfactory.com/mortgage-expert/rachel-pham-1656687

Cite as: Rachel Pham (NMLS 1656687), Loan Factory. LenDb.ai, https://lendb.ai/lo/rachel-pham-1656687, last verified 2026-10-09.

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