---
canonical_url: https://lendb.ai/lo/rajan-kandel-2432237
json_url: https://lendb.ai/lo/rajan-kandel-2432237.json
nmls_id: 2432237
last_verified: 2026-10-09
---

# Rajan Kandel

Mortgage Loan Officer at Loan Factory. NMLS ID 2432237 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2432237)).

**Summary:** Rajan Kandel (NMLS 2432237) is Mortgage Loan Officer at Loan Factory. Lists California, Maryland and Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance, FHA loan, First-time buyer, Jumbo loan and Real estate investor. Speaks English, Hindi and Nepali. States 10 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Years experience (stated by the LO): 10 (source: https://www.loanfactory.com/mortgage-expert/rajan-kandel-2432237, verified 2026-10-09)
- Licensed in: California (CA, lender_reported), Maryland (MD, lender_reported), 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: English, Hindi, Nepali
- Profile: unclaimed
- Status: active

## Specialties

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/rajan-kandel-2432237
- **FHA loan** (`fha`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/rajan-kandel-2432237
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/rajan-kandel-2432237
- **Jumbo loan** (`jumbo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/rajan-kandel-2432237
- **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/rajan-kandel-2432237
- **VA loan** (`va`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/rajan-kandel-2432237

## About

Rajan Kandel is an award-winning loan officer and licensed California Realtor with MBA background and 10+ years in California. He specializes in first-time buyer programs and serves San Francisco and the Bay Area.

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

## Facts from the lender page and intro

- years_experience: 10. Source: https://www.loanfactory.com/mortgage-expert/rajan-kandel-2432237, verified 2026-10-09.
- credential: Award-winning Mortgage Loan Officer. Source: https://www.loanfactory.com/mortgage-expert/rajan-kandel-2432237, verified 2026-10-09.
- credential: Licensed California Realtor (DRE #02168604). Source: https://www.loanfactory.com/mortgage-expert/rajan-kandel-2432237, verified 2026-10-09.
- education: MBA. Source: https://www.loanfactory.com/mortgage-expert/rajan-kandel-2432237, verified 2026-10-09.
- service_area: San Francisco, Bay Area, and California statewide. Source: https://www.loanfactory.com/mortgage-expert/rajan-kandel-2432237, 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 |
| MD | 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 |

## Employment history

- ? to present: Loan Factory (NMLS 320841). Source: https://www.loanfactory.com/mortgage-expert/rajan-kandel-2432237, 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/2432237

## Contact

- linkedin_url: https://www.linkedin.com/in/rajan-kandel-205b10ab/ (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/rajan-kandel-2432237

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2432237
- lender_site: https://www.loanfactory.com/mortgage-expert/rajan-kandel-2432237

Cite as: Rajan Kandel (NMLS 2432237), Loan Factory. LenDb.ai, https://lendb.ai/lo/rajan-kandel-2432237, last verified 2026-10-09.

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