---
canonical_url: https://lendb.ai/lo/joseph-zhou-1389140
json_url: https://lendb.ai/lo/joseph-zhou-1389140.json
nmls_id: 1389140
last_verified: 2026-10-09
---

# Joseph Zhou

Credit Solutions Advisor, Assistant Vice President at Bank of America, Arcadia, CA. NMLS ID 1389140 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1389140)).

**Summary:** Joseph Zhou (NMLS 1389140) is Credit Solutions Advisor, Assistant Vice President at Bank of America, based in Arcadia, CA. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Speaks Chinese. 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://mortgage.bankofamerica.com/josephzhou, 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: Chinese
- Profile: unclaimed
- Status: active

## Specialties


## About

Joseph has 10 years of experience helping clients find the right home loan and is familiar with a wide range of loan options.

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

## Facts from the lender page and intro

- years_experience: 10. Source: https://mortgage.bankofamerica.com/josephzhou, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: Bank of America (NMLS 399802), Arcadia, CA. Source: https://mortgage.bankofamerica.com/josephzhou, 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/1389140

## Contact

- View profile at Bank of America: https://mortgage.bankofamerica.com/josephzhou
- Office phone on file: shown at https://lendb.ai/lo/joseph-zhou-1389140#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1389140
- lender_site: https://mortgage.bankofamerica.com/josephzhou

Cite as: Joseph Zhou (NMLS 1389140), Bank of America. LenDb.ai, https://lendb.ai/lo/joseph-zhou-1389140, last verified 2026-10-09.

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