---
canonical_url: https://lendb.ai/lo/stephen-decker-626126
json_url: https://lendb.ai/lo/stephen-decker-626126.json
nmls_id: 626126
last_verified: 2026-10-09
---

# Stephen Decker

Senior Home Lending Advisor at JPMorgan Chase Bank (Chase Home Lending), Smithtown, NY. NMLS ID 626126 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/626126)).

**Summary:** Stephen Decker (NMLS 626126) is Senior Home Lending Advisor at JPMorgan Chase Bank (Chase Home Lending), based in Smithtown, NY. 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: VA loan, Self-employed, Jumbo loan and First-time buyer. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or 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: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **VA loan** (`va`): lender page, confidence 0.46, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/ny/smithtown/42-w-main-st-hla-626126
- **Self-employed** (`self-employed`): lender page, confidence 0.38, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/ny/smithtown/42-w-main-st-hla-626126
- **Jumbo loan** (`jumbo`): lender page, confidence 0.14, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/ny/smithtown/42-w-main-st-hla-626126
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/ny/smithtown/42-w-main-st-hla-626126

## About

Stephen has 25 years of experience as a Senior Home Lending Advisor serving the Smithtown, NY area, specializing in VA mortgages, self-employed lending, and first-time homebuyer programs.

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

## Facts from the lender page and intro

- credential: Chase Certified in FHA Loans. Source: https://homelendingadvisor.chase.com/ny/smithtown/42-w-main-st-hla-626126, 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), Smithtown, NY. Source: https://homelendingadvisor.chase.com/ny/smithtown/42-w-main-st-hla-626126, 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/626126

## Contact

- linkedin_url: https://www.linkedin.com/in/stephen-decker-0b172a49/ (source: lender_site, verified 2026-10-09)
- View profile at JPMorgan Chase Bank (Chase Home Lending): https://homelendingadvisor.chase.com/ny/smithtown/42-w-main-st-hla-626126
- Office phone and Email on file: shown at https://lendb.ai/lo/stephen-decker-626126#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/626126
- lender_site: https://homelendingadvisor.chase.com/ny/smithtown/42-w-main-st-hla-626126

Cite as: Stephen Decker (NMLS 626126), JPMorgan Chase Bank (Chase Home Lending). LenDb.ai, https://lendb.ai/lo/stephen-decker-626126, last verified 2026-10-09.

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