James Chen
Senior VP of Sales at Cliffco, Inc. · Uniondale, NY
NMLS ID 17991 (opens in a new tab) · verify at NMLS Consumer Access
James Chen, NMLS 17991, works as a mortgage loan officer at Cliffco, Inc. in Uniondale, New York and is licensed in Florida since 2024 and in Texas, New York, Connecticut and 2 more states. James speaks English and Chinese and works at an FHA-approved lender, per HUD.
Last verified . Sources: Cliffco, Inc. (cliffcomortgage.com), Florida state regulator, Texas state regulator, New York state regulator, Connecticut state regulator, Maryland state regulator, Oregon state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: January 12, 2024 (Florida), per state regulator
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 13 states
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is James licensed in New York?
- Yes. New York regulator records list a license as active (verified 2026-10-14). LenDb has 12 other states on file for James.
- Source: New York state regulator (opens in a new tab)
- What lender does James work for, and is it FHA-approved?
- Cliffco, Inc., company NMLS 65328, from the Uniondale, NY office, per the lender's own site (verified 2026-10-15). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026).
- Source: lender site; HUD (opens in a new tab)
- What languages does James speak?
- English and Chinese, per their lender page (verified 2026-10-15).
- Source: lender page (opens in a new tab)
- How long has James been licensed?
- The earliest state license record LenDb holds for James is from January 12, 2024 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
- Source: Florida state regulator (opens in a new tab)
Specialties
Focus
No focus listed on their lender page yet.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Languages
- English
- Chinese
Source: state regulator (opens in a new tab), verified 2026-10-15
Licensed states
Florida, Texas, New York, Arizona, Connecticut, Georgia, Maryland, North Carolina, New Jersey, Oregon, Pennsylvania, South Carolina, Virginia
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO125283, first effective 2024-01-12), TX (opens in a new tab), NY (opens in a new tab), CT (opens in a new tab) (LO-17991), MD (opens in a new tab), OR (opens in a new tab), verified 2026-10-15.
Lender-reported: AZ, GA, NC, NJ, PA, SC, VA are listed on the lender page, not yet checked with the state regulator.
Contact
A quick automatic check keeps bots from harvesting contact details.
We never see who you contact.
Employment history
Cliffco, Inc. NMLS 65328
Current · Uniondale, NY · seen on lender site 2026-10-15
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
- Role
- Manages a team of loan officers and loan officer assistants
- Source (opens in a new tab), verified 2026-10-15
- Credentials
- Rookie of the Year for Preferred Empire Mortgage
- Source (opens in a new tab), verified 2026-10-15
- Credentials
- President's Club, ranked #1 for 2021 and 2022 at Citizens Bank
- Source (opens in a new tab), verified 2026-10-15
- Credentials
- Top 10 Asian American Loan Officer, AREAA
- Source (opens in a new tab), verified 2026-10-15
Sources
| Name and employer | state regulator · cliffcomortgage.com (opens in a new tab) | verified 2026-10-15 |
| Licenses (regulator) | state regulator · dfr.oregon.gov (opens in a new tab) | verified 2026-10-20 |
| Licensed states | lender site · cliffcomortgage.com (opens in a new tab) | verified 2026-10-15 |
| Languages | state regulator · cliffcomortgage.com (opens in a new tab) | verified 2026-10-15 |
| Contact | lender site · cliffcomortgage.com (opens in a new tab) | verified 2026-10-15 |
| Photo | state regulator · cliffcomortgage.com (opens in a new tab) | verified 2026-10-15 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: James Chen (NMLS 17991), Cliffco, Inc.. LenDb.ai, https://lendb.ai/lo/jen-chi-chen-17991, last verified 2026-10-26.
Is this you?
Claim this profile to add specialties, a bio and languages, or ask us to fix or remove it.
Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.