Xiaolan Zhu
Mortgage Loan Officer at Loan Factory
NMLS ID 2180005 (opens in a new tab) · verify at NMLS Consumer Access
Xiaolan Zhu (NMLS 2180005) is Mortgage Loan Officer at Loan Factory. Licensed in 7 states: Arkansas, California, Illinois, Kansas, Texas, Virginia and Washington. Focus areas shown on the lender page: FHA loan, HELOC, Jumbo loan, Low credit score and Non-QM loan. 3 years licensed.
Last verified . Sources: Loan Factory (loanfactory.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- 3 years licensed
- 7 states
- Unclaimed profile
- No actions on file
Specialties
- FHA loanlender page
- HELOClender page
- Jumbo loanlender page
- Low credit scorelender page
- Non-QM loanlender page
- VA loanlender page
- First-time buyerlender page
- Real estate investorlender page
Where we saw these: loanfactory.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
Arkansas, California, Illinois, Kansas, Texas, Virginia, Washington
Confirmed with the state regulator: FL (opens in a new tab) (LO121828, since 2023), verified 2026-10-09.
Others as listed on the lender page (AR, CA, IL, KS, TX, VA, WA), not yet checked against state regulators.
Contact
- Profile (opens in a new tab)
We never see who you contact.
Employment history
Loan Factory NMLS 320841
Current · seen on lender site 2026-10-09
Disciplinary actions
None on record
Regulator orders are not loaded yet. Check NMLS Consumer Access.
About
Xiaolan Zhu is a seasoned mortgage loan officer with expertise in conventional, Non-QM, FHA, VA, Jumbo, and HELOC loans. They work with first-time homebuyers and real estate investors, specializing in navigating complex financial situations including debt-to-income ratio and credit challenges.
Our summary of the lender page. Verified 2026-10-09.
Reviews
Reviews on other sites
Ratings and links from Google, Zillow, Experience.com and the lender's own site will appear here. We link out; we never copy review text.
LenDb reviews
Verified borrower reviews are coming. No paid reviews, no gating, no hiding negatives.
Sources
| Name and employer | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-09 |
| Licensed states | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Specialties | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Xiaolan Zhu (NMLS 2180005), Loan Factory. LenDb.ai, https://lendb.ai/lo/xiaolan-zhu-2180005, last verified 2026-10-09.
Is this you?
Claim this profile to add specialties, a bio and languages, or ask us to fix or remove it.
Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.