---
canonical_url: https://lendb.ai/lo/vivian-pang-2012258
json_url: https://lendb.ai/lo/vivian-pang-2012258.json
nmls_id: 2012258
last_verified: 2026-10-09
---

# Vivian Pang

Mortgage Loan Officer at Loan Factory. NMLS ID 2012258 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2012258)).

**Summary:** Vivian Pang (NMLS 2012258) is Mortgage Loan Officer at Loan Factory. Licensed in Florida, confirmed with the state regulator (license LO126814). Also lists California on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: 1099 income, First-time buyer, Foreign national, ITIN borrower and Self-employed. Speaks English, Indonesian and Chinese. Licensed since 2024 (per Florida records). States 20 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2024 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 20 (source: https://www.loanfactory.com/mortgage-expert/vivian-pang-2012258, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), 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: English, Indonesian, Chinese
- Profile: unclaimed
- Status: active

## Specialties

- **1099 income** (`1099-income`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/vivian-pang-2012258
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/vivian-pang-2012258
- **Foreign national** (`foreign-national`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/vivian-pang-2012258
- **ITIN borrower** (`itin`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/vivian-pang-2012258
- **Self-employed** (`self-employed`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/vivian-pang-2012258
- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/vivian-pang-2012258

## About

Vivian Pang, with 20 years in wireless industry sales and now focused on mortgages, specializes in helping self-employed, 1099, ITIN, and foreign national borrowers as well as first-time homebuyers achieve homeownership.

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

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.loanfactory.com/mortgage-expert/vivian-pang-2012258, verified 2026-10-09.
- community: Focused on breaking barriers and building economic stability for low and medium-income families. Source: https://www.loanfactory.com/mortgage-expert/vivian-pang-2012258, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO126814 | active | confirmed | 2024-03-12 | 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). Source: https://www.loanfactory.com/mortgage-expert/vivian-pang-2012258, 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/2012258

## Contact

- linkedin_url: https://www.linkedin.com/in/homefinancing/ (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/vivian-pang-2012258
- Email on file: shown at https://lendb.ai/lo/vivian-pang-2012258#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2012258
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/vivian-pang-2012258

Cite as: Vivian Pang (NMLS 2012258), Loan Factory. LenDb.ai, https://lendb.ai/lo/vivian-pang-2012258, last verified 2026-10-09.

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