---
canonical_url: https://lendb.ai/lo/xiaolan-zhu-2180005
json_url: https://lendb.ai/lo/xiaolan-zhu-2180005.json
nmls_id: 2180005
last_verified: 2026-10-09
---

# Xiaolan Zhu

Mortgage Loan Officer at Loan Factory. NMLS ID 2180005 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2180005)).

**Summary:** 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 2026-10-09.

## At a glance

- Years licensed: 3
- Licensed in: Florida (FL), Arkansas (AR), California (CA), Illinois (IL), Kansas (KS), Texas (TX), Virginia (VA), Washington (WA)
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **FHA loan** (`fha`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/xiaolan-zhu-2180005
- **HELOC** (`heloc`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/xiaolan-zhu-2180005
- **Jumbo loan** (`jumbo`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/xiaolan-zhu-2180005
- **Low credit score** (`low-credit`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/xiaolan-zhu-2180005
- **Non-QM loan** (`non-qm`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/xiaolan-zhu-2180005
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/xiaolan-zhu-2180005
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/xiaolan-zhu-2180005
- **Real estate investor** (`investor`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/xiaolan-zhu-2180005

## 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.

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

## Licenses

| State | Type | Number | Status | Issued | Source | Verified |
|---|---|---|---|---|---|---|
| FL | state_license | LO121828 | expired | 2023-07-27 | state_regulator | 2026-10-09 |
| AR | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| IL | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| KS | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| TX | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| WA | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841). Source: https://www.loanfactory.com/mortgage-expert/xiaolan-zhu-2180005, verified 2026-10-09.

## Disciplinary actions

None on record at LenDb (regulator orders are not loaded yet; check NMLS Consumer Access).

## Contact

- linkedin_url: https://www.linkedin.com/in/xiaolan-zhu-2a957a48/ (source: lender_site, verified 2026-10-09)
- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/xiaolan-zhu-2180005

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2180005
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/xiaolan-zhu-2180005

Cite as: Xiaolan Zhu (NMLS 2180005), Loan Factory. LenDb.ai, https://lendb.ai/lo/xiaolan-zhu-2180005, last verified 2026-10-09.

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