---
canonical_url: https://lendb.ai/lo/jiangyan-zhou-974907
json_url: https://lendb.ai/lo/jiangyan-zhou-974907.json
nmls_id: 974907
last_verified: 2026-10-09
---

# Andy Zhou

Mortgage Loan Officer at Loan Factory. NMLS ID 974907 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/974907)).

**Summary:** Andy Zhou (NMLS 974907) is Mortgage Loan Officer at Loan Factory. Lists Texas and Virginia on the lender page (not yet checked with the state regulator). Licensed since 2023 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2023 (per Florida records). This is license history on file, not total experience.
- Licensed in: Texas (TX, lender_reported), Virginia (VA, 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


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO118541 | expired | confirmed | 2023-03-29 | state_regulator | 2026-10-09 |
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841). Source: https://www.loanfactory.com/mortgage-expert/andy-zhou-974907, 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/974907

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/andy-zhou-974907

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/974907
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/andy-zhou-974907

Cite as: Andy Zhou (NMLS 974907), Loan Factory. LenDb.ai, https://lendb.ai/lo/jiangyan-zhou-974907, last verified 2026-10-09.

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