{
  "canonical_url": "https://lendb.ai/lo/thoai-pham-378733",
  "lede": {
    "text": "Based in Honolulu, Hawaii, Thoai Pham (NMLS 378733) is a mortgage loan officer at Kama'aina Mortgage Group Inc., licensed in California since 2021 and in Texas. Thoai speaks English and Vietnamese.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "languages"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Thoai licensed in Hawaii?",
      "a": "Kama'aina Mortgage Group Inc.'s page for Thoai lists Hawaii. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access. LenDb has 5 other states on file for Thoai.",
      "fields": [
        "licenses"
      ],
      "source": "lender page",
      "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
      "verified_at": "2026-10-15"
    },
    {
      "q": "What lender does Thoai work for?",
      "a": "Kama'aina Mortgage Group Inc., company NMLS 1276471, from the Honolulu, HI office, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
      "verified_at": "2026-10-15"
    },
    {
      "q": "What languages does Thoai speak?",
      "a": "English and Vietnamese, per their lender page (verified 2026-10-15).",
      "fields": [
        "languages"
      ],
      "source": "lender page",
      "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Thoai been licensed?",
      "a": "The earliest state license record LenDb holds for Thoai is from May 4, 2021 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Thoai states 20 years of experience.",
      "fields": [
        "earliest_license_record",
        "years_experience"
      ],
      "source": "California state regulator",
      "source_url": "https://dfpi.ca.gov/",
      "verified_at": "2026-10-24"
    }
  ],
  "field_notes": {
    "languages": "Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it."
  },
  "loan_officer": {
    "nmls_id": 378733,
    "slug": "thoai-pham-378733",
    "canonical_url": "https://lendb.ai/lo/thoai-pham-378733",
    "md_url": "https://lendb.ai/lo/thoai-pham-378733.md",
    "json_url": "https://lendb.ai/lo/thoai-pham-378733.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/378733",
    "full_name": {
      "value": "Thoai Pham",
      "source": "state_regulator",
      "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
      "verified_at": "2026-10-15"
    },
    "first_name": "Thoai",
    "last_name": "Pham",
    "licensed_names": [
      {
        "name": "Thoai Pham",
        "name_with_middle_initial": "Thoai T. Pham",
        "first_name": "Thoai",
        "middle_initial": "T",
        "last_name": "Pham",
        "states": [
          "CA",
          "TX"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-22"
      }
    ],
    "headshot_url": {
      "value": "https://cdn.prod.website-files.com/692ed72deeca580e1cf7f297/6a146b3a6cb8cd0238ab7f71_Thoai%20Pham%201.webp",
      "source": "state_regulator",
      "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Thoai Pham is a Team Manager and Senior Loan Officer with over 20 years of experience in Hawaii's lending market. They are licensed in HI, CA, NV, TX, WA and AZ and speak English and Vietnamese. They hold an MBA in Finance and say they were top-ranked by loan volume and units for several years.",
      "source": "state_regulator",
      "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Loan Doctors Team Manager | Senior Loan Officer",
      "source": "state_regulator",
      "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [
        "en",
        "vi"
      ],
      "source": "state_regulator",
      "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 20,
      "source": "lender_site",
      "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 1276471,
      "lender_name": "Kama'aina Mortgage Group Inc.",
      "lender_slug": "kama-aina-mortgage-group-inc-1276471",
      "branch_city": "Honolulu",
      "branch_state": "HI",
      "branch_zip": "96813",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.kmghawaii.com/team-member/thoai-pham",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1276471,
        "lender_name": "Kama'aina Mortgage Group Inc.",
        "lender_slug": "kama-aina-mortgage-group-inc-1276471",
        "branch_city": "Honolulu",
        "branch_state": "HI",
        "branch_zip": "96813",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.kmghawaii.com/team-member/thoai-pham",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2023-07-05",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      },
      {
        "state": "AZ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DFPI378733",
        "status": "active",
        "issued_at": "2021-05-04",
        "source": "state_regulator",
        "source_url": "https://dfpi.ca.gov/",
        "verified_at": "2026-10-24",
        "confidence": "confirmed",
        "regulator": "ca_dfpi",
        "regulator_name": "California Department of Financial Protection and Innovation"
      },
      {
        "state": "HI",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "NV",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "WA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "20",
        "source": "lender_site",
        "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "service_area",
        "value": "Hawaii",
        "source": "lender_site",
        "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "education",
        "value": "MBA in Finance; BA in Business Economics and Accounting, UC Santa Barbara",
        "source": "lender_site",
        "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "credential",
        "value": "Top-ranked loan officer for loan volume and number of units for several years",
        "source": "lender_site",
        "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-24",
    "updated_at": "2026-10-24 19:28:56.294761+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/thoai-pham-378733#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://www.kmghawaii.com/team-member/thoai-pham",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2021-05-04",
      "state": "CA"
    },
    "licensed_since": {
      "year": 2021,
      "state": "CA"
    },
    "federal_registration": null
  }
}