---
canonical_url: https://lendb.ai/lo/ai-cao-2424062
json_url: https://lendb.ai/lo/ai-cao-2424062.json
nmls_id: 2424062
last_verified: 2026-10-09
---

# Amilia Cao

Mortgage Loan Officer at Loan Factory, IL. NMLS ID 2424062 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2424062)).

**Summary:** Amilia Cao (NMLS 2424062) is Mortgage Loan Officer at Loan Factory, based in Illinois. Licensed in Florida, confirmed with the state regulator (license LO141060). Also lists Illinois and Michigan on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: 2 to 4 unit property, Condo and Real estate investor. Licensed since 2025 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2025 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Illinois (IL, lender_reported), Michigan (MI, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **2 to 4 unit property** (`multi-family-2-4`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/amilia-cao-2424062
- **Condo** (`condo`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/amilia-cao-2424062
- **Real estate investor** (`investor`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/amilia-cao-2424062

## About

Licensed Loan Officer serving Illinois clients with expertise in owner-occupied and investment properties including condos, townhomes, single-family homes, and multifamily units.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO141060 | active | confirmed | 2025-09-05 | state_regulator | 2026-10-09 |
| IL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841), IL. Source: https://www.loanfactory.com/mortgage-expert/amilia-cao-2424062, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2424062

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/amilia-cao-2424062

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2424062
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/amilia-cao-2424062

Cite as: Amilia Cao (NMLS 2424062), Loan Factory. LenDb.ai, https://lendb.ai/lo/ai-cao-2424062, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._