---
canonical_url: https://lendb.ai/lo/steven-toan-phan-luu-2421891
json_url: https://lendb.ai/lo/steven-toan-phan-luu-2421891.json
nmls_id: 2421891
last_verified: 2026-10-09
---

# Steven Toan Phan Luu

Mortgage Loan Officer at Loan Factory, CA. NMLS ID 2421891 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2421891)).

**Summary:** Steven Toan Phan Luu (NMLS 2421891) is Mortgage Loan Officer at Loan Factory, based in California. Lists California on the lender page (not yet checked with the state regulator). 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.
- 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: not listed
- Profile: unclaimed
- Status: active

## Specialties


## 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 |

## Employment history

- ? to present: Loan Factory (NMLS 320841), CA. Source: https://www.loanfactory.com/mortgage-expert/steven-toan-phan-luu-2421891, 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/2421891

## Contact

- linkedin_url: https://www.linkedin.com/in/steven-luu-446ba4338 (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/steven-toan-phan-luu-2421891

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2421891
- lender_site: https://www.loanfactory.com/mortgage-expert/steven-toan-phan-luu-2421891

Cite as: Steven Toan Phan Luu (NMLS 2421891), Loan Factory. LenDb.ai, https://lendb.ai/lo/steven-toan-phan-luu-2421891, last verified 2026-10-09.

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