---
canonical_url: https://lendb.ai/lo/joy-thao-2714365
json_url: https://lendb.ai/lo/joy-thao-2714365.json
nmls_id: 2714365
last_verified: 2026-10-24
---

# Joy Thao

Loan officer at NEXA Mortgage. NMLS ID 2714365 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2714365)).

Joy Thao (NMLS 2714365) is a mortgage loan officer at NEXA Mortgage, licensed in Wisconsin since 2025 and in California.

**Summary:** Joy Thao (NMLS 2714365) is a loan officer at NEXA Mortgage. Licensed in 2 states confirmed with state regulators: Wisconsin and California. NEXA Mortgage also offers FHA loan, Jumbo loan, Renovation loan (203k / HomeStyle), Reverse mortgage and USDA loan and 1 more (a lender program, not confirmed as their own focus). Earliest state license record: July 11, 2025 (Wisconsin), per state regulator. Last verified 2026-10-24.

## Quick answers

### Is Joy licensed in Wisconsin?

Yes. Wisconsin regulator records list license 2714365 as active, first effective July 11, 2025 (verified 2026-10-21). LenDb has 1 other state on file for Joy. Source: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/.

### What lender does Joy work for?

NEXA Mortgage, company NMLS 1660690, per the lender's own site (verified 2026-10-21). Source: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/.

### How long has Joy been licensed?

The earliest state license record LenDb holds for Joy is from July 11, 2025 (Wisconsin regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/.

## At a glance

- Earliest state license record: July 11, 2025 (Wisconsin), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Also licensed as (state regulator records, same NMLS ID): Joy S. Thao (CA, as of 2026-10-22)
- Licensed in: Wisconsin (WI, confirmed), California (CA DFPI, confirmed)
- 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 (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.

### Their lender offers (lender level: NEXA Mortgage's programs, not confirmed as this person's focus)

- **FHA loan** (`fha`): verified 2026-10-08. Source: https://nexamortgage.com
- **Jumbo loan** (`jumbo`): verified 2026-10-08. Source: https://nexamortgage.com
- **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-08. Source: https://nexamortgage.com
- **Reverse mortgage** (`reverse`): verified 2026-10-08. Source: https://nexamortgage.com
- **USDA loan** (`usda`): verified 2026-10-08. Source: https://nexamortgage.com
- **VA loan** (`va`): verified 2026-10-08. Source: https://nexamortgage.com

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| WI | Wisconsin regulator | state_license | 2714365 | active | confirmed | 2025-07-11 | state_regulator | 2026-10-21 |
| CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI2714365 | active | confirmed | 2026-02-10 | state_regulator | 2026-10-24 |

## Employment history

- ? to present: NEXA Mortgage (NMLS 1660690). Source: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/, verified 2026-10-21.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2714365

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2714365
- state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/
- state_regulator: https://dfpi.ca.gov/
- manual (lender programs): https://nexamortgage.com

Cite as: Joy Thao (NMLS 2714365), NEXA Mortgage. LenDb.ai, https://lendb.ai/lo/joy-thao-2714365, last verified 2026-10-24.

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