---
canonical_url: https://lendb.ai/lo/serena-zou-633485
json_url: https://lendb.ai/lo/serena-zou-633485.json
nmls_id: 633485
last_verified: 2026-10-09
---

# Serena Zou

Senior Home Lending Advisor at JPMorgan Chase Bank (Chase Home Lending), Cupertino, CA. NMLS ID 633485 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/633485)).

**Summary:** Serena Zou (NMLS 633485) is Senior Home Lending Advisor at JPMorgan Chase Bank (Chase Home Lending), based in Cupertino, CA. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: FHA loan, VA loan and First-time buyer. Speaks Chinese. 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: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- 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: Chinese
- Profile: unclaimed
- Status: active

## Specialties

- **FHA loan** (`fha`): lender page, confidence 0.46, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/ca/cupertino/10250-s-de-anza-blvd-hla-633485
- **VA loan** (`va`): lender page, confidence 0.29, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/ca/cupertino/10250-s-de-anza-blvd-hla-633485
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/ca/cupertino/10250-s-de-anza-blvd-hla-633485

## About

Serena has 18 years of experience as a Senior Home Lending Advisor fluent in Mandarin, serving Cupertino and Sunnyvale with expertise in first-time homebuyer programs and adjustable-rate mortgages.

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

## Facts from the lender page and intro

- service_area: Cupertino, Sunnyvale, CA. Source: https://homelendingadvisor.chase.com/ca/cupertino/10250-s-de-anza-blvd-hla-633485, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: JPMorgan Chase Bank (Chase Home Lending) (NMLS 399798), Cupertino, CA. Source: https://homelendingadvisor.chase.com/ca/cupertino/10250-s-de-anza-blvd-hla-633485, 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/633485

## Contact

- linkedin_url: https://www.linkedin.com/in/serena-zou-4b628b119/ (source: lender_site, verified 2026-10-09)
- View profile at JPMorgan Chase Bank (Chase Home Lending): https://homelendingadvisor.chase.com/ca/cupertino/10250-s-de-anza-blvd-hla-633485
- Office phone and Email on file: shown at https://lendb.ai/lo/serena-zou-633485#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/633485
- lender_site: https://homelendingadvisor.chase.com/ca/cupertino/10250-s-de-anza-blvd-hla-633485

Cite as: Serena Zou (NMLS 633485), JPMorgan Chase Bank (Chase Home Lending). LenDb.ai, https://lendb.ai/lo/serena-zou-633485, last verified 2026-10-09.

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