---
canonical_url: https://lendb.ai/lo/mingming-cai-2157762
json_url: https://lendb.ai/lo/mingming-cai-2157762.json
nmls_id: 2157762
last_verified: 2026-10-09
---

# Mingming Cai

Mortgage Loan Officer at Loan Factory. NMLS ID 2157762 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2157762)).

**Summary:** Mingming Cai (NMLS 2157762) is Mortgage Loan Officer at Loan Factory. Licensed in Florida, confirmed with the state regulator (license LO143909). Also lists California, Texas and Washington on the lender page (not yet checked with the state regulator). Speaks English and Chinese. Licensed since 2026 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2026 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), California (CA, lender_reported), Texas (TX, lender_reported), Washington (WA, 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, Chinese
- Profile: unclaimed
- Status: active

## Specialties


## About

Mingming holds a PhD and has passed the CFA exam, bringing advanced financial expertise to guide clients through complex lending scenarios and tailored solutions.

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

## Facts from the lender page and intro

- credential: PhD degree holder. Source: https://www.loanfactory.com/mortgage-expert/mingming-cai-2157762, verified 2026-10-09.
- credential: Passed CFA exam. Source: https://www.loanfactory.com/mortgage-expert/mingming-cai-2157762, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO143909 | active | confirmed | 2026-01-06 | state_regulator | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841). Source: https://www.loanfactory.com/mortgage-expert/mingming-cai-2157762, 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/2157762

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/mingming-cai-2157762

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2157762
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/mingming-cai-2157762

Cite as: Mingming Cai (NMLS 2157762), Loan Factory. LenDb.ai, https://lendb.ai/lo/mingming-cai-2157762, last verified 2026-10-09.

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