---
canonical_url: https://lendb.ai/lo/ju-zhou-2389481
json_url: https://lendb.ai/lo/ju-zhou-2389481.json
nmls_id: 2389481
last_verified: 2026-10-30
---

# Ju Zhou

Loan officer at NEXA Mortgage. NMLS ID 2389481 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2389481)).

Ju Zhou (NMLS 2389481) is a mortgage loan officer at NEXA Mortgage, licensed in Florida since 2025 and in Delaware and Maryland.

**Summary:** Ju Zhou (NMLS 2389481) is a loan officer at NEXA Mortgage. Licensed in 3 states confirmed with state regulators: Florida, Delaware and Maryland. 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: September 16, 2025 (Florida), per state regulator. Last verified 2026-10-30.

## Quick answers

### Is Ju licensed in Florida?

Yes. Florida regulator records list license LO141321 as active, first effective September 16, 2025 (verified 2026-10-15). LenDb has 2 other states on file for Ju. Source: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip.

### What lender does Ju work for?

NEXA Mortgage, company NMLS 1660690, per the lender's own site (verified 2026-10-26). Source: https://www.labor.maryland.gov/finance/.

### How long has Ju been licensed?

The earliest state license record LenDb holds for Ju is from September 16, 2025 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip.

## At a glance

- Earliest state license record: September 16, 2025 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Delaware (DE, confirmed), Maryland (MD, 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 |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO141321 | active | confirmed | 2025-09-16 | state_regulator | 2026-10-15 |
| DE | Delaware regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-30 |
| MD | Maryland regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-26 |

## Employment history

- ? to present: NEXA Mortgage (NMLS 1660690). Source: https://www.labor.maryland.gov/finance/, verified 2026-10-26.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2389481

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2389481
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- state_regulator: https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/
- state_regulator: https://www.labor.maryland.gov/finance/
- manual (lender programs): https://nexamortgage.com

Cite as: Ju Zhou (NMLS 2389481), NEXA Mortgage. LenDb.ai, https://lendb.ai/lo/ju-zhou-2389481, last verified 2026-10-30.

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