---
canonical_url: https://lendb.ai/lo/joy-yoo-994158
json_url: https://lendb.ai/lo/joy-yoo-994158.json
nmls_id: 994158
last_verified: 2026-10-24
---

# Joy Yoo

Senior Loan Officer at Oz Gram Investment, Inc.. NMLS ID 994158 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/994158)).

Joy Yoo (NMLS 994158) is a Senior Loan Officer at Oz Gram Investment, Inc., licensed in California since 2013.

**Summary:** Joy Yoo (NMLS 994158) is Senior Loan Officer at Oz Gram Investment, Inc.. Licensed in California, confirmed with the state regulator (license CA-DBO994158). Earliest state license record: July 11, 2013 (California), per state regulator. Last verified 2026-10-24.

## Quick answers

### Is Joy licensed in California?

Yes. California regulator records list license CA-DBO994158 as active, first effective July 11, 2013 (verified 2026-10-24). Source: https://dfpi.ca.gov/.

### What lender does Joy work for?

Oz Gram Investment, Inc., company NMLS 1579697, per the lender's own site (verified 2026-10-15). Source: https://cpslending.com/jjoy4yoo/pf.

### How long has Joy been licensed?

The earliest state license record LenDb holds for Joy is from July 11, 2013 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfpi.ca.gov/.

## At a glance

- Earliest state license record: July 11, 2013 (California), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: 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.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| CA | California Department of Financial Protection and Innovation | state_license | CA-DBO994158 | active | confirmed | 2013-07-11 | state_regulator | 2026-10-24 |

## Employment history

- ? to present: Oz Gram Investment, Inc. (NMLS 1579697). Source: https://cpslending.com/jjoy4yoo/pf, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/994158

## Contact

- View profile at Oz Gram Investment, Inc.: https://cpslending.com/jjoy4yoo/pf
- Email on file: shown at https://lendb.ai/lo/joy-yoo-994158#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/994158
- state_regulator: https://dfpi.ca.gov/
- lender_site: https://cpslending.com/jjoy4yoo/pf

Cite as: Joy Yoo (NMLS 994158), Oz Gram Investment, Inc.. LenDb.ai, https://lendb.ai/lo/joy-yoo-994158, last verified 2026-10-24.

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