--- canonical_url: https://lendb.ai/lo/jen-chi-chen-17991 json_url: https://lendb.ai/lo/jen-chi-chen-17991.json nmls_id: 17991 last_verified: 2026-10-26 --- # James Chen Senior VP of Sales at Cliffco, Inc., Uniondale, NY. NMLS ID 17991 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/17991)). 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. **Summary:** James Chen (NMLS 17991) is Senior VP of Sales at Cliffco, Inc., based in Uniondale, NY. Licensed in 6 states confirmed with state regulators: Florida, Texas, New York, Connecticut, Maryland and Oregon. Also lists Arizona, Georgia, North Carolina, New Jersey, Pennsylvania, South Carolina and Virginia on the lender page (not yet checked with the state regulator). Speaks English and Chinese. Earliest state license record: January 12, 2024 (Florida), per state regulator. Last verified 2026-10-26. ## 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: https://www.dfs.ny.gov/. ### 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: https://cliffcomortgage.com/jchen/. ### What languages does James speak? English and Chinese, per their lender page (verified 2026-10-15). Source: https://cliffcomortgage.com/jchen/. ### 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: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip. ## At a glance - Earliest state license record: January 12, 2024 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), New York (NY, confirmed), Arizona (AZ, lender_reported), Connecticut (CT, confirmed), Georgia (GA, lender_reported), Maryland (MD, confirmed), North Carolina (NC, lender_reported), New Jersey (NJ, lender_reported), Oregon (OR, confirmed), Pennsylvania (PA, lender_reported), South Carolina (SC, lender_reported), Virginia (VA, lender_reported) - Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot - 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: English, Chinese (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - None on file yet. ## Facts from the lender page and intro - years_experience: since 2003. Source: https://cliffcomortgage.com/jchen/, verified 2026-10-15. - role: Manages a team of loan officers and loan officer assistants. Source: https://cliffcomortgage.com/jchen/, verified 2026-10-15. - service_area: NYC, Long Island, and beyond. Source: https://cliffcomortgage.com/jchen/, verified 2026-10-15. - credential: Rookie of the Year for Preferred Empire Mortgage. Source: https://cliffcomortgage.com/jchen/, verified 2026-10-15. - credential: President's Club, ranked #1 for 2021 and 2022 at Citizens Bank. Source: https://cliffcomortgage.com/jchen/, verified 2026-10-15. - credential: Top 10 Asian American Loan Officer, AREAA. Source: https://cliffcomortgage.com/jchen/, verified 2026-10-15. - education: Bachelor of Science, Queens College. Source: https://cliffcomortgage.com/jchen/, verified 2026-10-15. - community: Member of AREAA. Source: https://cliffcomortgage.com/jchen/, verified 2026-10-15. - community: Board of Directors, CAREA. Source: https://cliffcomortgage.com/jchen/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO125283 | active | confirmed | 2024-01-12 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2026-03-19 | state_regulator | 2026-10-13 | | NY | New York regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-14 | | AZ | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | CT | Connecticut regulator | state_license | LO-17991 | active | confirmed | | state_regulator | 2026-10-15 | | GA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | | NC | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | NJ | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | OR | Oregon regulator | state_license | n/a | active | confirmed | 2024-08-12 | state_regulator | 2026-10-20 | | PA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | SC | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | VA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | ## Employment history - ? to present: Cliffco, Inc. (NMLS 65328), Uniondale, NY. Source: https://cliffcomortgage.com/jchen/, verified 2026-10-15. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/17991 ## Contact - View profile at Cliffco, Inc.: https://cliffcomortgage.com/jchen/ - Office phone and Email on file: shown at https://lendb.ai/lo/jen-chi-chen-17991#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/17991 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://www.dfs.ny.gov/ - lender_site: https://cliffcomortgage.com/jchen/ - state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut - state_regulator: https://www.labor.maryland.gov/finance/ - state_regulator: https://dfr.oregon.gov/ - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: James Chen (NMLS 17991), Cliffco, Inc.. LenDb.ai, https://lendb.ai/lo/jen-chi-chen-17991, last verified 2026-10-26. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._