---
canonical_url: https://lendb.ai/lo/joseph-scoza-30761
json_url: https://lendb.ai/lo/joseph-scoza-30761.json
nmls_id: 30761
last_verified: 2026-10-09
---

# Joseph Scoza

Home Lending Advisor at JPMorgan Chase Bank (Chase Home Lending), Troy, MI. NMLS ID 30761 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/30761)).

**Summary:** Joseph Scoza (NMLS 30761) is Home Lending Advisor at JPMorgan Chase Bank (Chase Home Lending), based in Troy, MI. 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: Jumbo loan and First-time buyer. States 10 years of experience. 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.
- Years experience (stated by the LO): 10 (source: https://homelendingadvisor.chase.com/mi/troy/2155-w-big-beaver-rd-hla-30761, verified 2026-10-09)
- 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: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **Jumbo loan** (`jumbo`): lender page, confidence 0.14, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/mi/troy/2155-w-big-beaver-rd-hla-30761
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/mi/troy/2155-w-big-beaver-rd-hla-30761

## About

Joseph has 10 years of experience as a Home Lending Manager and specializes in preapproval, first-time homebuyer programs, conforming and jumbo mortgages.

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

## Facts from the lender page and intro

- years_experience: 10. Source: https://homelendingadvisor.chase.com/mi/troy/2155-w-big-beaver-rd-hla-30761, verified 2026-10-09.
- service_area: nationwide. Source: https://homelendingadvisor.chase.com/mi/troy/2155-w-big-beaver-rd-hla-30761, 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), Troy, MI. Source: https://homelendingadvisor.chase.com/mi/troy/2155-w-big-beaver-rd-hla-30761, 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/30761

## Contact

- linkedin_url: https://www.linkedin.com/in/joe-scoza-72630535/ (source: lender_site, verified 2026-10-09)
- View profile at JPMorgan Chase Bank (Chase Home Lending): https://homelendingadvisor.chase.com/mi/troy/2155-w-big-beaver-rd-hla-30761
- Office phone and Email on file: shown at https://lendb.ai/lo/joseph-scoza-30761#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/30761
- lender_site: https://homelendingadvisor.chase.com/mi/troy/2155-w-big-beaver-rd-hla-30761

Cite as: Joseph Scoza (NMLS 30761), JPMorgan Chase Bank (Chase Home Lending). LenDb.ai, https://lendb.ai/lo/joseph-scoza-30761, last verified 2026-10-09.

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