Nick NagyLoan Factory, Inc. Talk to Nick
No credit pull to start · No obligation · The written answer is yours to keep Ask about Loan Factory
Nick Nagy · Loan Factory, Inc.

Nick Nagy Works Under Loan Factory, Inc. Across California

A brokerage licensed in 48 states, with its own in-house processing, support, and underwriting teams.

Ask about Loan Factory No credit pull to start · No obligation
The straight answer

In one paragraph

Loan Factory, Inc. is the brokerage behind both of Nick Nagy’s licenses today. It carries company NMLS 320841 and CA DRE 01771313, and operates in 48 states with an in-house processing, support, and underwriting team behind every loan officer.

In my own words

A broker’s shelf of lenders is the whole reason I do this. One bank has one guideline book and one set of programs. A broker with 237 lenders behind it can shop a file against all of them instead of forcing it to fit one bank’s rules. I moved my own license here for the same reason a buyer should care about it.

Who this page is for

This page is for anyone who wants to know what Loan Factory, Inc. actually is before trusting a loan officer who works there. You want the company’s own licenses, its footprint, and why a broker structure widens your options, verified against the same public records anyone can check.

The fact this page stands on
Loan Factory, Inc. is licensed in 48 states, works with 237 lenders, and reports 20,907+ Google reviews at a 5.0 average.
Source
Loan Factory, Inc.’s own published figures, September 2026.
Last verified
September 6, 2026
Ask about Loan Factory No credit pull to start · No obligation
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

What Loan Factory, Inc. is

Loan Factory, Inc. is a mortgage brokerage, licensed under company NMLS 320841 and CA DRE 01771313. It is headquartered at 2195 Tully Rd, San Jose, CA 95122, and licensed to operate in 48 states.

A brokerage is different from a single bank. It does not fund every loan itself. It shops a file across a shelf of outside lenders and picks the one that fits.

This is the same reason Nick Nagy’s own license history shows two brokerage changes on the public DRE record before landing at Loan Factory, Inc. The brokerage a loan officer works under changes what the loan officer can actually offer a buyer.

The detail that matters

Why a broker structure widens the options

Loan Factory, Inc. works with 237 lenders, per its own published figures. A single bank only has its own guideline book to offer, whatever that happens to be that week.

A broker can compare programs across that whole shelf on one file, instead of a buyer applying separately at several banks and comparing the results by hand.

This matters most on a file that does not look standard: self-employed income, a recent credit event, or a property type one lender happens to avoid entirely.

How it works

The in-house team behind the loan officer

Loan Factory, Inc. runs its own processing, support, and underwriting teams in-house. A file does not sit with one person alone from application to closing.

That structure is why Nick Nagy can carry both a mortgage license and a real estate license and still keep every file moving without dropping either side.

An in-house team also means fewer outside vendors involved in the file, which reduces the number of places a document can get lost or a question can go unanswered.

The detail that matters

What the reviews show

Loan Factory, Inc. reports 20,907+ Google reviews at a 5.0 average, per its own published figures from September 2026. That number belongs to the company, not to any one loan officer inside it.

Nick Nagy’s own client reviews appear on this site once clients approve them, on the reviews page of this same family.

How it works

Where Loan Factory, Inc. operates

Loan Factory, Inc. is licensed in 48 states. Nick Nagy’s own work concentrates on Southern California, including Murrieta, Temecula, Menifee, the San Gabriel Valley, the San Fernando Valley, Clairemont, San Diego, Los Angeles, and Orange County.

A national footprint does not change where his own files close. It changes how many outside lenders his files can be shopped against, since a broader company license covers more of the lender shelf.

The detail that matters

How to verify the company itself

The CA DRE public lookup and NMLS Consumer Access both cover company records, not only individual loan officers. Search License ID 01771313 or company NMLS 320841 directly to see Loan Factory, Inc.’s own standing.

Checking the company record alongside Nick Nagy’s individual record confirms the full relationship: an active loan officer, under an active brokerage, both verifiable the same way.

Ask about Loan Factory 237 lenders, one file, no second application.
What that looks like

Three situations this page answers

A buyer denied at one bank tries a broker instead

A buyer got turned down by their own bank on a self-employed file. A broker shelf with 237 lenders means a different program, at a different lender, may still fit the same borrower.

A realtor asking why their client’s loan officer changed brokerages

A realtor notices Nick Nagy’s brokerage name changed on a new file. The DRE record explains the move, and the company’s own NMLS and DRE numbers confirm the current broker.

A buyer comparing a broker to a big-name bank

A buyer assumes a well-known bank name means a better deal. Comparing the bank’s single guideline book against a broker’s 237 lender shelf on the same file shows the actual range of programs available.

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.
Ask about Loan Factory No credit pull to start · No obligation · The written answer is yours to keep
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.

Talk to Nick No credit pull to start · No obligation · The written answer is yours to keep
Straight answers

Questions people here actually ask

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

Why is Nick Nagy with Loan Factory?

Loan Factory, Inc. gave Nick Nagy an in-house processing, support, and underwriting team, plus a shelf of 237 lenders, instead of one bank’s single guideline book.

Is Loan Factory, Inc. licensed in California?

Yes. Loan Factory, Inc. carries CA DRE brokerage license 01771313 and company NMLS 320841, and is licensed in 48 states total.

What does Loan Factory, Inc.’s own review data show?

Loan Factory, Inc. reports 20,907+ Google reviews at a 5.0 average, per its own published figures from September 2026. That figure belongs to the company.

Where is Loan Factory, Inc. headquartered?

Loan Factory, Inc. is headquartered at 2195 Tully Rd, San Jose, CA 95122, per the CA DRE public brokerage record.

How many lenders does Loan Factory, Inc. work with?

Loan Factory, Inc. works with 237 lenders, per its own published figures from September 2026.

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?

No credit pull to start · No obligation · The written answer is yours to keep

Related
The California Mortgage Answer DeskThe full partner stackRun your own numbers at nickfunds.comNick Nagy: the hub pageAboutLicensing and credentialsReviewsQuestions 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’s profile on loanfactory.com www.loanfactory.com/mortgage-expert/nicholas-nagy-314880