---
canonical_url: https://lendb.ai/lo/james-andrew-kay-485551
json_url: https://lendb.ai/lo/james-andrew-kay-485551.json
nmls_id: 485551
last_verified: 2026-10-09
---

# James Andrew Kay

Private Mortgage Banker at Wells Fargo Home Mortgage, El Segundo, CA. NMLS ID 485551 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/485551)).

**Summary:** James Andrew Kay (NMLS 485551) is Private Mortgage Banker at Wells Fargo Home Mortgage, based in El Segundo, CA. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Speaks German. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- 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: German
- Profile: unclaimed
- Status: active

## Specialties


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: Wells Fargo Home Mortgage (NMLS 399801), El Segundo, CA. Source: https://homeloans.wellsfargo.com/mortgage/ca/el-segundo/james, 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/485551

## Contact

- linkedin_url: https://www.linkedin.com/in/james-andrew-kay-25156110/ (source: lender_site, verified 2026-10-09)
- View profile at Wells Fargo Home Mortgage: https://homeloans.wellsfargo.com/mortgage/ca/el-segundo/james
- Office phone and Email on file: shown at https://lendb.ai/lo/james-andrew-kay-485551#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/485551
- lender_site: https://homeloans.wellsfargo.com/mortgage/ca/el-segundo/james

Cite as: James Andrew Kay (NMLS 485551), Wells Fargo Home Mortgage. LenDb.ai, https://lendb.ai/lo/james-andrew-kay-485551, last verified 2026-10-09.

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