no markups
To build a transparent, technology-driven mortgage experience that gives homebuyers clarity and guidance while enabling loan officers to work more efficiently.
Our Story
Thuan Nguyen immigrates to the United States, works multiple jobs, learns English, and later earns degrees in Business and Information Systems from UC Berkeley.
His determination and grit become the foundation of everything Loan Factory stands for.
After experiencing how confusing and opaque the mortgage process could be, Thuan launches Loan Factory with a simple mission: make mortgages clearer, fairer, and easier for everyday people.
Loan Factory expands steadily through referrals and word-of-mouth. Borrowers appreciate honest guidance, transparent pricing, and communication that actually makes sense.
Frustrated with outdated industry systems, Thuan starts building MOSO — a unified platform designed to automate pricing, streamline documents, and modernize how borrowers and loan officers work.
Loan Factory grows across multiple states while MOSO evolves into a faster, smarter, more efficient workflow engine. Technology and transparency become the core of our identity.
Thuan Nguyen becomes the #1 Loan Officer in the United States, closing more than $2 billion in loan volume in a single year — a milestone never achieved before in the industry.
This moment propels Loan Factory into national visibility and fuels rapid expansion.
- 45K+ closed loans delivered to homeowners (2008–2025)
- $16.6B+ in total funded volume
- A marketplace of 241+ wholesale lenders
- A nationwide network of 2,326+ licensed loan officers
- Licensed to serve borrowers in 48 U.S. states
During these years, MOSO matures into a complete mortgage ecosystem—empowering both borrowers and loan officers with greater speed, accuracy, and transparency at every step of the journey.
Loan Factory continues to build technology that brings clarity, trust, and confidence to the mortgage process.
Our mission remains the same: deliver a mortgage experience powered by transparency and built for everyone.
What We Do
Compare Real Mortgage Options
- Access pricing from 240+ wholesale lenders.
- Side-by-side comparison of rates and fees.
- No marked-up or hidden pricing.
- Real data, real transparency.
Personalized Loan Guidance
- Licensed loan advisors nationwide.
- Support for first-time buyers, investors, and refinances.
- Clear explanations without sales pressure.
- Recommendations based on your financial goals.
Fast, Digital Mortgage Experience
- Online application and secure document upload.
- Seamless e-signing.
- Real-time loan tracking in MOSO.
- Automation that reduces delays and paperwork.
Full Range of Loan Programs
- Conventional, FHA, VA, USDA.
- Jumbo & Super Jumbo.
- Non-QM, Bank Statement, 1099.
- DSCR, Investor Cash Flow, and more.
- Compare pricing from 241+ wholesale lenders
- Clear, side-by-side rates and fees
- No hidden markups or inflated add-ons
- Gives borrowers honest options and helps loan officers win with competitive transparency
- Automatically checks documents for accuracy
- Instantly highlights missing or incorrect items
- Keeps every file neatly organized
- Speeds up the process for both borrowers and loan officers
- Track loan progress in real time
- Instant notifications for every milestone
- Secure, integrated messaging
- One-click uploads that keep everyone aligned
- Encrypted document storage
- Automated TRID & ECOA compliance checks
- Full audit trails for complete transparency
- Bank-level security across every workflow
Our Accomplishments
Loan Closed
Funded Volume
See what customers say about working with us.
Frequently Asked Questions
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