# Loan Factory

> Loan Factory is a San Jose-based mortgage brokerage and fintech company that shops a single loan across 240+ wholesale lenders to find the lowest rate, then runs the whole process on MOSO, its in-house, AI-assisted mortgage platform. Founded in 2006 by Vietnamese immigrant Thuan Nguyen - twice named the #1 loan officer in the United States - it has grown into the country's second-largest mortgage broker, with more than 2,000 licensed loan officers across 48 states and over $16 billion in funded volume.

- **Founded:** 2006
- **Headquarters:** San Jose, California, United States
- **Founders:** Thuan Nguyen (Founder & CEO)
- **Team size:** ~1,900-2,300+ (more than 2,300 licensed loan officers nationwide)
- **Products:** Rate comparison across 240+ lenders, MOSO platform, Full loan program coverage, Loan officer platform
- **Notable:** Founder Thuan Nguyen named #1 Loan Officer in the U.S. by Scotsman Guide (2021 & 2022), First originator to surpass $2 billion in loan volume in a single year, Grown into the second-largest mortgage broker in the United States (2025)

## Products & services

- **Rate comparison across 240+ lenders** — A single application is shopped across the company's wholesale lender network to surface the lowest available rate, backed by a best-price guarantee.
- **MOSO platform** — Loan Factory's proprietary, AI-assisted digital mortgage platform that combines LOS, POS, CRM, marketing, pricing engine, support and a marketplace into one system. Evolved from an internal tool built in 2013.
- **Full loan program coverage** — Conventional, FHA, VA, USDA, Jumbo, Non-QM, DSCR and investor loans, plus refinance, cash-out and HELOC products.
- **Loan officer platform** — Free enterprise-grade technology, processing and lender access offered to independent loan officers who join the platform.

## Achievements

- Founder Thuan Nguyen named #1 Loan Officer in the U.S. by Scotsman Guide (2021 & 2022)
- First originator to surpass $2 billion in loan volume in a single year
- Grown into the second-largest mortgage broker in the United States (2025)
- $16.6 billion+ in funded volume; 45,000+ loans closed (2008-2025)
- 5.0 average rating across 19,000+ Google reviews
- 2,300+ licensed loan officers across 48 states; 240+ wholesale lender network
- Reports 99% of loans closing smoothly

## Latest updates

- **2025** — Recognized as the second-largest mortgage broker in the U.S. with 2,000+ loan officers nationwide.
- **2025** — Partnered with Pylon to integrate AI mortgage infrastructure, automating originations and bypassing wholesale steps.
- **2022-04** — Unveiled a new corporate logo to reposition the brand as a fintech company.

## Links

- Website: https://loanfactory.com
- LinkedIn: http://www.linkedin.com/company/loanfactoryhq
- Twitter/X: https://twitter.com/loanfactoryhq
- YouTube: https://www.youtube.com/@loanfactory
- Instagram: https://www.instagram.com/loanfactoryhq
- Facebook: https://www.facebook.com/LoanFactoryHQ

---

Profile page: https://yespress.io/loan-factory
Published by YesPress — https://yespress.io
Last updated: 2026-06-02