---
canonical_url: https://lendb.ai/lo/jose-cruz-457865
json_url: https://lendb.ai/lo/jose-cruz-457865.json
nmls_id: 457865
last_verified: 2026-10-09
---

# Jose Cruz

Senior Home Lending Advisor at JPMorgan Chase Bank (Chase Home Lending), San Diego, CA. NMLS ID 457865 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/457865)).

**Summary:** Jose Cruz (NMLS 457865) is Senior Home Lending Advisor at JPMorgan Chase Bank (Chase Home Lending), based in San Diego, CA. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: FHA loan, Jumbo loan, VA loan and First-time buyer. Speaks Spanish. 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: Spanish
- Profile: unclaimed
- Status: active

## Specialties

- **FHA loan** (`fha`): lender page, confidence 0.35, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/ca/san-diego/3433-del-mar-heights-rd-hla-457865
- **Jumbo loan** (`jumbo`): lender page, confidence 0.14, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/ca/san-diego/3433-del-mar-heights-rd-hla-457865
- **VA loan** (`va`): lender page, confidence 0.13, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/ca/san-diego/3433-del-mar-heights-rd-hla-457865
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/ca/san-diego/3433-del-mar-heights-rd-hla-457865

## About

Jose has 23 years of experience as a Senior Home Lending Advisor serving San Diego and specializes in preapproval, fixed-rate and adjustable-rate mortgages, FHA and VA loans, first-time homebuyer programs, and conforming and jumbo mortgages. He speaks Spanish.

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

## Facts from the lender page and intro

- service_area: San Diego. Source: https://homelendingadvisor.chase.com/ca/san-diego/3433-del-mar-heights-rd-hla-457865, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: JPMorgan Chase Bank (Chase Home Lending) (NMLS 399798), San Diego, CA. Source: https://homelendingadvisor.chase.com/ca/san-diego/3433-del-mar-heights-rd-hla-457865, 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/457865

## Contact

- View profile at JPMorgan Chase Bank (Chase Home Lending): https://homelendingadvisor.chase.com/ca/san-diego/3433-del-mar-heights-rd-hla-457865
- Office phone and Email on file: shown at https://lendb.ai/lo/jose-cruz-457865#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/457865
- lender_site: https://homelendingadvisor.chase.com/ca/san-diego/3433-del-mar-heights-rd-hla-457865

Cite as: Jose Cruz (NMLS 457865), JPMorgan Chase Bank (Chase Home Lending). LenDb.ai, https://lendb.ai/lo/jose-cruz-457865, last verified 2026-10-09.

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