--- canonical_url: https://lendb.ai/lo/thoai-pham-378733 json_url: https://lendb.ai/lo/thoai-pham-378733.json nmls_id: 378733 last_verified: 2026-10-24 --- # Thoai Pham Loan Doctors Team Manager | Senior Loan Officer at Kama'aina Mortgage Group Inc., Honolulu, HI. NMLS ID 378733 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/378733)). 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. **Summary:** Thoai Pham (NMLS 378733) is Loan Doctors Team Manager | Senior Loan Officer at Kama'aina Mortgage Group Inc., based in Honolulu, HI. Licensed in 2 states confirmed with state regulators: Texas and California. Also lists Arizona, Hawaii, Nevada and Washington on the lender page (not yet checked with the state regulator). Speaks English and Vietnamese. Earliest state license record: May 4, 2021 (California), per state regulator. States 20 years of experience. Last verified 2026-10-24. ## Quick answers ### Is Thoai licensed in Hawaii? 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. Source: https://www.kmghawaii.com/team-member/thoai-pham. ### What lender does Thoai work for? Kama'aina Mortgage Group Inc., company NMLS 1276471, from the Honolulu, HI office, per the lender's own site (verified 2026-10-15). Source: https://www.kmghawaii.com/team-member/thoai-pham. ### What languages does Thoai speak? English and Vietnamese, per their lender page (verified 2026-10-15). Source: https://www.kmghawaii.com/team-member/thoai-pham. ### How long has Thoai been licensed? 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. Source: https://dfpi.ca.gov/. ## At a glance - Earliest state license record: May 4, 2021 (California), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 20 (source: https://www.kmghawaii.com/team-member/thoai-pham, verified 2026-10-15) - Also licensed as (state regulator records, same NMLS ID): Thoai T. Pham (CA, TX, as of 2026-10-22) - Licensed in: Texas (TX, confirmed), Arizona (AZ, lender_reported), California (CA DFPI, confirmed), Hawaii (HI, lender_reported), Nevada (NV, lender_reported), Washington (WA, 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, Vietnamese (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.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - None on file yet. ## About 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: LenDb summary of the lender page, verified 2026-10-15. ## Facts from the lender page and intro - years_experience: 20. Source: https://www.kmghawaii.com/team-member/thoai-pham, verified 2026-10-15. - service_area: Hawaii. Source: https://www.kmghawaii.com/team-member/thoai-pham, verified 2026-10-15. - education: MBA in Finance; BA in Business Economics and Accounting, UC Santa Barbara. Source: https://www.kmghawaii.com/team-member/thoai-pham, verified 2026-10-15. - credential: Top-ranked loan officer for loan volume and number of units for several years. Source: https://www.kmghawaii.com/team-member/thoai-pham, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | TX | Texas regulator | state_license | n/a | active | confirmed | 2023-07-05 | state_regulator | 2026-10-13 | | AZ | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI378733 | active | confirmed | 2021-05-04 | state_regulator | 2026-10-24 | | HI | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | NV | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | WA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | ## Employment history - ? to present: Kama'aina Mortgage Group Inc. (NMLS 1276471), Honolulu, HI. Source: https://www.kmghawaii.com/team-member/thoai-pham, verified 2026-10-15. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/378733 ## Contact - View profile at Kama'aina Mortgage Group Inc.: https://www.kmghawaii.com/team-member/thoai-pham - Office phone and Email on file: shown at https://lendb.ai/lo/thoai-pham-378733#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/378733 - state_regulator: https://www.sml.texas.gov/ - lender_site: https://www.kmghawaii.com/team-member/thoai-pham - state_regulator: https://dfpi.ca.gov/ Cite as: Thoai Pham (NMLS 378733), Kama'aina Mortgage Group Inc.. LenDb.ai, https://lendb.ai/lo/thoai-pham-378733, last verified 2026-10-24. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._