---
canonical_url: https://lendb.ai/lo/michael-w-cho-1274922
json_url: https://lendb.ai/lo/michael-w-cho-1274922.json
nmls_id: 1274922
last_verified: 2026-10-09
---

# Michael W Cho

Mortgage Loan Officer at Loan Factory, San Jose, CA. NMLS ID 1274922 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1274922)).

**Summary:** 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 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: California (CA, lender_reported), Nevada (NV, lender_reported)
- 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: English, Korean
- Profile: unclaimed
- Status: active

## Specialties


## 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.

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

## Facts from the lender page and intro

- years_experience: since May 2026. Source: https://www.loanfactory.com/mortgage-expert/michael-w-cho-1274922, verified 2026-10-09.
- service_area: San Jose, CA. Source: https://www.loanfactory.com/mortgage-expert/michael-w-cho-1274922, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NV | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841), San Jose, CA. Source: https://www.loanfactory.com/mortgage-expert/michael-w-cho-1274922, 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/1274922

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/michael-w-cho-1274922

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1274922
- lender_site: https://www.loanfactory.com/mortgage-expert/michael-w-cho-1274922

Cite as: Michael W Cho (NMLS 1274922), Loan Factory. LenDb.ai, https://lendb.ai/lo/michael-w-cho-1274922, last verified 2026-10-09.

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