---
canonical_url: https://lendb.ai/lo/ying-cai-2157327
json_url: https://lendb.ai/lo/ying-cai-2157327.json
nmls_id: 2157327
last_verified: 2026-10-09
---

# Ying Cai

Senior Home Lending Advisor at JPMorgan Chase Bank (Chase Home Lending), Newcastle, WA. NMLS ID 2157327 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2157327)).

**Summary:** Ying Cai (NMLS 2157327) is Senior Home Lending Advisor at JPMorgan Chase Bank (Chase Home Lending), based in Newcastle, WA. 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: Self-employed, Jumbo 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

- **Self-employed** (`self-employed`): lender page, confidence 0.38, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/wa/newcastle/13033-se-69th-way-hla-2157327
- **Jumbo loan** (`jumbo`): lender page, confidence 0.14, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/wa/newcastle/13033-se-69th-way-hla-2157327
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://homelendingadvisor.chase.com/wa/newcastle/13033-se-69th-way-hla-2157327

## About

Ying has 6 years of experience serving clients in Bellevue with fluency in Mandarin. They specialize in preapproval, self-employed lending, fixed and adjustable-rate mortgages, first-time homebuyer programs, and conforming and jumbo loans.

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

## Facts from the lender page and intro

- service_area: Bellevue. Source: https://homelendingadvisor.chase.com/wa/newcastle/13033-se-69th-way-hla-2157327, verified 2026-10-09.
- credential: Mandarin fluency. Source: https://homelendingadvisor.chase.com/wa/newcastle/13033-se-69th-way-hla-2157327, 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), Newcastle, WA. Source: https://homelendingadvisor.chase.com/wa/newcastle/13033-se-69th-way-hla-2157327, 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/2157327

## Contact

- View profile at JPMorgan Chase Bank (Chase Home Lending): https://homelendingadvisor.chase.com/wa/newcastle/13033-se-69th-way-hla-2157327
- Office phone and Email on file: shown at https://lendb.ai/lo/ying-cai-2157327#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2157327
- lender_site: https://homelendingadvisor.chase.com/wa/newcastle/13033-se-69th-way-hla-2157327

Cite as: Ying Cai (NMLS 2157327), JPMorgan Chase Bank (Chase Home Lending). LenDb.ai, https://lendb.ai/lo/ying-cai-2157327, last verified 2026-10-09.

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