---
canonical_url: https://lendb.ai/lo/ricky-phan-1203987
json_url: https://lendb.ai/lo/ricky-phan-1203987.json
nmls_id: 1203987
last_verified: 2026-10-09
---

# Ricky Phan

Mortgage Loan Officer at Loan Factory, CA. NMLS ID 1203987 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1203987)).

**Summary:** 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: Real estate investor, Bank statement loan, DSCR loan, First-time buyer and VA loan. Speaks Vietnamese. Licensed since 2022 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2022 (per Florida records). This is license history on file, not total experience.
- 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: Vietnamese
- Profile: unclaimed
- Status: active

## Specialties

- **Real estate investor** (`investor`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/ricky-phan-1203987
- **Bank statement loan** (`bank-statement`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/ricky-phan-1203987
- **DSCR loan** (`dscr`): lender page, confidence 0.63, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/ricky-phan-1203987
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.59, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/ricky-phan-1203987
- **VA loan** (`va`): lender page, confidence 0.55, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/ricky-phan-1203987
- **FHA loan** (`fha`): lender page, confidence 0.52, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/ricky-phan-1203987

## About

Ricky Phan is a dedicated mortgage loan officer serving Orange County with personalized service and competitive financing solutions. They specialize in supporting homeowners, investors, veterans, and the Vietnamese community.

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

## Facts from the lender page and intro

- service_area: Orange County. Source: https://www.loanfactory.com/mortgage-expert/ricky-phan-1203987, verified 2026-10-09.
- community: Vietnamese community. Source: https://www.loanfactory.com/mortgage-expert/ricky-phan-1203987, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO107571 | expired | confirmed | 2022-05-12 | state_regulator | 2026-10-09 |
| 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/ricky-phan-1203987, 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/1203987

## Contact

- linkedin_url: https://www.linkedin.com/in/ricky-phan-973211133/ (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/ricky-phan-1203987

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1203987
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/ricky-phan-1203987

Cite as: Ricky Phan (NMLS 1203987), Loan Factory. LenDb.ai, https://lendb.ai/lo/ricky-phan-1203987, last verified 2026-10-09.

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