Nick NagyLoan Factory, Inc. Talk to Nick
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Nick Nagy · Reviews

Nick Nagy Works Under a Company Rated 5.0 on Average

The company aggregate and Nick Nagy’s own client reviews are two different numbers. This page keeps them separate.

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The straight answer

In one paragraph

Nick Nagy works under Loan Factory, Inc., which reports 20,907+ Google reviews at a 5.0 average, per its own published figures. His personal client reviews live on his Zillow lender profile and appear on this page as clients approve them.

In my own words

I want a buyer reading a review to know exactly who it is about. A company-wide number tells you about the company. A review on my own Zillow profile tells you about a file I actually worked. Mixing the two together does not help anybody make a decision. I would rather a buyer read fewer reviews and understand what each one actually measures.

Who this page is for

This page is for a buyer trying to sort out a loan officer’s reviews from a company’s reviews before trusting either one. You want to know where each number actually comes from before you weigh it, and how to check either source yourself.

The fact this page stands on
Loan Factory, Inc. 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
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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 company aggregate

Loan Factory, Inc. reports 20,907+ Google reviews at a 5.0 average, per its own published figures from September 2026. That number reflects the whole company, across every loan officer inside it, not one person alone.

A large company aggregate is useful for judging the company’s overall track record. It does not tell you anything about one specific loan officer’s individual file history.

A national company this size includes loan officers a reader has never met, in states they will never buy in. Weigh the aggregate for what it is: a company-wide signal, not a personal one.

The detail that matters

Where to read Nick Nagy’s own reviews

Nick Nagy’s Zillow lender profile carries his own client reviews, tied to his name and his NMLS number, 314880. That is the place to read reviews specific to him.

Zillow’s own terms control how those reviews can be shown elsewhere, so this page links to the profile rather than copying reviews from it.

A profile tied to a verified NMLS number is harder to fake than a review left on a general business directory with no license check attached.

How it works

How to read a loan officer’s reviews

Look for reviews that describe a specific file: a loan type, a timeline of communication, a problem that came up and how it got handled. A vague five-word review says less than a detailed one.

Check whether the review sits on a platform tied to the loan officer’s own license, like Zillow, or a general review site that mixes every kind of business together.

A pattern across several reviews matters more than any single one. Look for the same strengths, or the same complaints, showing up more than once.

The detail that matters

Individual client quotes on this site

Client quotes appear directly on this page as clients approve them. None are invented, and none carry a date attached, per this site’s own standard for client attribution.

A client who wants a quote removed or corrected can ask, and this page updates accordingly. Nothing here is permanent copy pasted once and forgotten.

Attribution stays limited to a first name, a last initial, and a city, which protects a client’s privacy while still telling a reader who is speaking.

How it works

Why the company and the individual numbers stay separate

A company aggregate and an individual loan officer’s own reviews answer two different questions. This page keeps them separate on purpose, so neither number gets mistaken for the other.

A buyer who only reads the bigger number and skips the individual profile is judging a person by a group they belong to, not by their own file history.

Neither number replaces the other. Reading both gives a fuller picture than either one alone.

The detail that matters

What a review cannot tell you

A review describes one person’s experience on one file. It does not confirm a license is currently active, and it does not replace checking the NMLS or DRE record directly.

Treat a review as one data point, alongside the public license lookup, not as a substitute for it.

Check his reviews 237 lenders, one file, no second application.
What that looks like

Three situations this page answers

A buyer comparing two loan officers at the same company

A buyer is deciding between two loan officers who both work under Loan Factory, Inc. The company aggregate is the same for both, so the buyer checks each one’s individual Zillow profile instead.

A realtor asking for proof before a referral

A realtor wants evidence before sending a client to a new lending partner. Nick Nagy’s Zillow lender profile and NMLS record both let the realtor verify the file history independently.

A past client deciding whether to leave a review

A past client wants to leave feedback but is not sure where it will be seen. Zillow ties a review to the specific loan officer’s own profile, not to the company as a whole.

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.

Where can I read Nick Nagy reviews?

Nick Nagy’s individual client reviews live on his Zillow lender profile, tied to NMLS 314880. Loan Factory, Inc.’s company-wide reviews are a separate, larger aggregate.

What is Loan Factory, Inc.’s review average?

Loan Factory, Inc. reports 20,907+ Google reviews at a 5.0 average, per its own published figures from September 2026.

Does this page show individual reviews of Nick Nagy?

Individual client quotes appear on this page as clients approve them. None are invented.

How do I tell a company’s reviews from a loan officer’s own reviews?

Check whether the review platform ties feedback to a specific license number, like Zillow does, or reports a company-wide aggregate instead.

Can I verify a review is tied to a real license?

Yes. Cross-check the name on a review against the NMLS Consumer Access or CA DRE public record for that same license number.

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
Run your own numbers at nickfunds.comThe California Mortgage Answer DeskNick Nagy: the hub pageAboutLicensing and credentialsLoan Factory, Inc.Questions 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 Zillow lender profile www.zillow.com/lender-profile/nicknagy/