Michael W Cho
Mortgage Loan Officer at Loan Factory · San Jose, CA
NMLS ID 1274922 (opens in a new tab) · verify at NMLS Consumer Access
Michael W Cho (NMLS 1274922) is Mortgage Loan Officer at Loan Factory, based in San Jose, CA. Lists California and Nevada on the lender page (not yet checked with the state regulator). Speaks English and Korean.
Last verified . Sources: Loan Factory (loanfactory.com) and NMLS Consumer Access (license status, check live).
- 2 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
None listed on the lender page yet.
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
- English
- Korean
Source: lender site (opens in a new tab), verified 2026-10-09
Licensed states
Lender-reported: CA, NV are listed on the lender page, not yet checked with the state regulator.
Contact
No public business contact on file.
We never see who you contact.
Employment history
Loan Factory NMLS 320841
Current · San Jose, CA · seen on lender site 2026-10-09
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Loan officer based in San Jose, CA branch since May 2026. Licensed in California and Nevada, fluent in English and Korean, serving diverse clients with personalized mortgage solutions.
Our summary of the lender page. Verified 2026-10-09.
Sources
| Name and employer | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Licensed states | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Languages | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · loanfactory.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Michael W Cho (NMLS 1274922), Loan Factory. LenDb.ai, https://lendb.ai/lo/michael-w-cho-1274922, last verified 2026-10-09.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.