Ricky Phan
Mortgage Loan Officer at Loan Factory · California
NMLS ID 1203987 (opens in a new tab) · verify at NMLS Consumer Access
Ricky Phan (NMLS 1203987) 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: Bank statement loan, DSCR loan, FHA loan, First-time buyer and VA loan. Speaks Vietnamese. Licensed since 2022 (per Florida records).
Last verified . Sources: Loan Factory (loanfactory.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Licensed since 2022 (per Florida records)
- 1 state
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
- Bank statement loanlender page
- DSCR loanlender page
- FHA loanlender page
- First-time buyerlender page
- VA loanlender page
- Real estate investorlender page
Where we saw these: loanfactory.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
- Vietnamese
Source: lender site (opens in a new tab), verified 2026-10-09
Licensed states
Lender-reported: CA is listed on the lender page, not yet checked with the state regulator.
Earlier regulator records (not active): FL (expired).
Contact
- Profile (opens in a new tab)
We never see who you contact.
Employment history
Loan Factory NMLS 320841
Current · CA · seen on lender site 2026-10-09
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Ricky Phan is a dedicated loan officer serving Orange County with a focus on personalized service and competitive financing. They specialize in conventional, FHA, VA, DSCR, and bank statement loans, with particular passion for supporting veterans, investors, and the Vietnamese community.
Our summary of the lender page. Verified 2026-10-09.
Sources
| Name and employer | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-09 |
| Licensed states | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Specialties | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Languages | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Ricky Phan (NMLS 1203987), Loan Factory. LenDb.ai, https://lendb.ai/lo/ricky-phan-1203987, last verified 2026-10-09.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.