Loan Factory, Inc.

Loan Factory is a rapidly growing mortgage fintech that brings together loan officers, consumers, and lenders on a unified platform. By developing proprietary technology, Loan Factory tackles two major challenges in the mortgage industry: trust and complexity. Their solutions streamline the mortgage process, making it automated, transparent, and user-friendly for all parties involved.

Loan Factory is the most trusted company, with over 6,000 5-star Google Reviews. It is the best mortgage platform for loan officers, offering a flat fee per loan model with no monthly or technology fees. Loan Factory provides extensive support to loan officers, including marketing and underwriting assistance.

Loan Factory builds its own proprietary technology on an all-in-one platform that includes LOS, POS, CRM, marketing, and a pricing engine. Led by Thuan Nguyen, the company has transformed from a small broker to a fintech startup with the most popular mortgage platform, MOSO.com. With over 170 lenders, Loan Factory offers various products to consumers, such as private money loans, land loans, mobile home loans, commercial loans, and non-QM loans.

Clients are in the driver's seat and have control over their loan processes, while loan officers serve as advisors. On average, the company closes loans within 21 days. Loan Factory even guarantees the lowest rates in select states such as California, Texas, Washington, Arizona, Georgia, and Colorado, or clients receive $1,000 back. The consumer-facing pricing engine has been a significant success, particularly among younger consumers.

Area Of Focus:
Marketplace, Wholesale, FinTech, Consumer Direct, Technology, Disrupt

States Licensed: 

AL AK AZ AR CA CO DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

Mentions
Loan Factory Partners With Pylon To Automate Originations And Bypass Wholesale

Partnership brings Pylon’s automated mortgage infrastructure to Loan Factory’s 2,500 Originators

May 07, 2026
Edge Home Finance Secures Presidio Investment, Names Tom Ahles President

Private equity investment to support technology, expansion, and potential acquisitions across the broker platform

Apr 21, 2026
Broker Brawl Hot Loans Edition Turns Up The Heat

Spicy questions elicit heated responses from CEOs of NEXA Mortgage, West Capital Lending, Loan Factory, and Equity Smart Home Loans

Aug 25, 2025
BAC Co-Founder Reveals Mega Brokers May Undergo CFPB Audits

Brendan McKay of BAC revealed the main takeaways in a LinkedIn post

Dec 02, 2024
The Rise Of Mega Brokers

As the wholesale channel thrives, brokerage firms grow to new extremes

Aug 06, 2024
Loan Originators Sue Loan Factory for Unauthorized Use of Personal Information

Class action lawsuit accuses CEO of exploiting loan officers' identities.

Mar 01, 2024
Webinars
A Look At The Tech Behind Loan Factory's Success

In this OriginatorTech DeepDive we’re going to see how MOSO, an ALL-IN-ONE software, helped Loan Factory becom...

Webinar
Mar 11, 2025
Learn From The #1 Loan Officer In The Country

Do you know what's holding you back and, more importantly, how to solve it? Meet Thuan Nguyen, a data analy...

Webinar
Dec 12, 2024