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Nick Nagy · About

Nick Nagy Has Worked in Mortgage Lending for 23 Years

A mortgage loan originator and licensed California real estate salesperson, working under Loan Factory, Inc.

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The straight answer

In one paragraph

Nick Nagy has spent 23 years in mortgage lending. He holds two licenses at once: a mortgage loan originator license, NMLS 314880, and a California real estate salesperson license, DRE 01444600. Both sit under Loan Factory, Inc. today. He works with Southern California home buyers and sellers from Murrieta to the San Fernando Valley to San Diego.

In my own words

I read every file myself before it goes anywhere. I have carried both licenses long enough to see a purchase from the real estate side and the lending side at the same time. That is the whole reason I hold both. A buyer should never have to explain their own file twice to two people who do not talk to each other. A licensed background you can check yourself matters more than a bio page that reads well.

Who this page is for

This page is for anyone deciding whether to trust their file to Nick Nagy. You want a straight answer on his background, his licenses, and how long he has done this work before you hand over your income documents and your bank statements. You also want to know he will still be reachable a year from now, not just during the transaction.

The fact this page stands on
Nick Nagy’s California real estate salesperson license, DRE 01444600, was issued January 24, 2005, stays current through March 17, 2029, and carries no disciplinary action on record.
Source
CA DRE public record, license 01444600, read September 6, 2026.
Last verified
September 6, 2026
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Nick Nagy, mortgage broker and loan officer at Loan Factory
Nick Nagy NMLS #314880 · CA DRE #01444600 · Loan Factory, Inc. · 23 years About Nick · Licences, verified at source · Text 916-805-1933

Part of the Nick Nagy pages on go.homeaccesslist.com, and of the California Mortgage Answer Desk.

How it works

The career record

Nick Nagy has worked in mortgage lending for 23 years. Records with the California Department of Real Estate show his real estate salesperson license was issued January 24, 2005, and stays current through March 17, 2029.

That same DRE record lists no disciplinary action against him in that entire span. The record is public, and anyone can look it up before working with him.

The detail that matters

Two licenses under one roof

Nick Nagy holds a mortgage loan originator license, NMLS 314880, and a California real estate salesperson license, DRE 01444600. Both sit under Loan Factory, Inc.

Carrying both licenses means the same person can look at the real estate side of a purchase and the financing side at once, instead of handing a buyer between two strangers who never speak.

How it works

How he moved to Loan Factory, Inc.

His DRE record shows two prior brokerages before Loan Factory, Inc. Omni-Fund carried his license from 2015 to 2023. A second brokerage carried it from late 2023 until the middle of 2026.

Loan Factory, Inc. has been his broker of record since August 2026. The company carries its own NMLS number, 320841, and its own DRE brokerage license, 01771313, separate from his individual numbers.

Every one of those moves shows up on the public DRE record, in order, with the exact dates. A reader does not have to take his word for the timeline. The record carries it.

The detail that matters

How he works a file

Nick Nagy reads every file himself. Loan Factory, Inc. adds an in-house processing, support, and underwriting team behind him, so a file does not depend on one person alone.

That structure widens the shelf of lenders and loan programs he can bring to a single buyer, instead of limiting a file to whatever one bank happens to offer that week.

A file with a nonstandard piece, a self-employed income source or a property type one lender happens to avoid, gets checked against a wider set of guidelines before it gets declined anywhere.

How it works

Where he works

Nick Nagy serves buyers and sellers across Southern California. That includes Murrieta, Temecula, Menifee, and the rest of Southwest Riverside County, plus the San Gabriel Valley, the San Fernando Valley, Clairemont, San Diego, Los Angeles, and Orange County.

A file from any of those markets moves through the same two licenses and the same in-house team at Loan Factory, Inc.

The detail that matters

The kind of file he takes on

Nick Nagy works with first-time buyers, move-up buyers, self-employed borrowers, and sellers financing their next purchase at the same time. His dual license fits a buyer and seller working through one transaction on both sides.

A buyer with a straightforward W-2 file and a buyer with a complicated self-employed file both go through the same two licenses and the same public record, checked the same way.

Ask Nick about my file 237 lenders, one file, no second application.
What that looks like

Three situations this page answers

A first-time buyer in Murrieta comparing loan types

A buyer with a steady paycheck asks whether an FHA loan or a conventional loan fits a starter home in Murrieta. The file gets reviewed against both program rules before an offer goes in.

A past client returning after a brokerage change

A client who worked with Nick Nagy years ago wants to know whether the person is the same, just under a different broker. The DRE record answers that question directly.

A self-employed buyer weighing a bank statement program

A contractor with self-reported income wants a second opinion on whether a bank statement program fits better than a standard income file. Both licenses look at the file together, real estate timing and loan structure at once.

None of these is a promise about your file. They are shapes. The number on your own file comes from running it, which is the point of the form on this page.

Where it goes wrong

The mistakes, and none of them is the buyer

More about Nick

The rest of the Nick Nagy pages

Every question on the desk sits at the California Mortgage Answer Desk. Run your own numbers at nickfunds.com.
Nick Nagy, mortgage loan originator, Loan Factory, Inc.
Who answers

Nick Nagy

23 years in California lending · NMLS 314880 · CA DRE 01444600 · Loan Factory, Inc.

Dual licensed, so the loan side and the real estate side of a move get looked at as one problem instead of two. Most of what goes wrong in a move is a timing problem wearing a financing costume, and it is cheaper to catch it before you write an offer than after.

Financing is placed through Loan Factory, Inc. Real estate work is under CA DRE 01444600. More about Nick.
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The desk behind the file

One file, 237 lenders competing for it, and a broker who has done this for 23 years.

Loan Factory, Inc. is the brokerage. These are its published figures.

20,907+Loan Factory Google reviews
5.0Loan Factory average rating
237Lenders available through Loan Factory
48States Loan Factory is licensed in

A retail bank has one guideline book. A broker shops the same file across the shelf and finds the lender whose box it already fits.

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Straight answers

Questions people here actually ask

The follow-on questions, answered in the order they get asked.

What should someone know about Nick Nagy?

Nick Nagy is a mortgage loan originator, NMLS 314880, and a California real estate salesperson, DRE 01444600, both under Loan Factory, Inc. He has worked in mortgage lending for 23 years and serves Southern California from Murrieta to San Diego.

How long has Nick Nagy worked in mortgage lending?

Nick Nagy has worked in mortgage lending for 23 years. His DRE record shows continuous licensure since January 24, 2005, read at source September 6, 2026.

What company is Nick Nagy with now?

Nick Nagy is licensed under Loan Factory, Inc., company NMLS 320841 and CA DRE 01771313. The DRE public record has listed Loan Factory, Inc. as his broker of record since August 2026.

Does Nick Nagy hold more than one license?

Yes. He holds a mortgage loan originator license, NMLS 314880, and a California real estate salesperson license, DRE 01444600, both active under Loan Factory, Inc.

Where does Nick Nagy work?

Nick Nagy serves Southern California, including Murrieta, Temecula, Menifee, the San Gabriel Valley, the San Fernando Valley, Clairemont, San Diego, Los Angeles, and Orange County.

Ask a question that is not on this page
The person, not a call center

Talk to Nick Nagy directly

Text 916-805-1933, or send the situation through the form below. I read every one myself.

Mortgage loan originator, NMLS 314880, and licensed real estate salesperson, CA DRE 01444600, both under Loan Factory, Inc. 20,907+ Google reviews · 5.0 average · 237 lenders, the company's own published figures.

Text Nick at 916-805-1933 Or use the form below. No credit pull to start.
Your own file

Ask Nick directly, not a call center

Tell me the situation in plain English. If your file changes anything on this page, I will run it on your actual numbers. Private, no obligation, and nothing is published or shared.

    What happens after you send it
  1. You send the situation. Your question, a number to reach you, and one line about where you are. No credit pull, no documents, nothing published.
  2. Nick reads it himself. Your file goes against the programs that apply, shopped across 237 lenders through Loan Factory, not one bank's guideline book.
  3. You get the number and keep it. A straight answer on what your file supports and what it does not. If waiting is the better move, that is the answer you get, and the numbers are yours either way.
Where are you right now?

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Related
The California Mortgage Answer DeskRun your own numbers at nickfunds.comHow Nick works with realtor partnersNick Nagy: the hub pageLicensing and credentialsLoan Factory, Inc.ReviewsQuestions people askContactFor realtor partnersCalifornia mortgage brokerSouthern CaliforniaFHA loansFirst-time home buyersDown payment assistanceSelf-employed mortgagesFast pre-approval5 percent down on a 2-4 unit homeAB 1033 ADU condo financingSB 9 lot split financingShort-term rental DSCR loansAsset depletion mortgagesADU financingAssumable mortgage gap financing
Nick Nagy on NMLS Consumer Access www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/314880