{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=ko&state=OH",
  "filters": {
    "state": "OH",
    "lang": "ko",
    "limit": 10
  },
  "count": 1,
  "results": [
    {
      "rank": 1,
      "score": 27,
      "loan_officer": {
        "nmls_id": 2620208,
        "slug": "terry-kwon-2620208",
        "full_name": "Terry Kwon",
        "licensed_names": [
          {
            "name": "Terry Kwon",
            "name_with_middle_initial": "Terry Y. Kwon",
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            "middle_initial": "Y",
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            "states": [
              "CA",
              "CO",
              "PA",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/terry-kwon-2620208",
        "json_url": "https://lendb.ai/lo/terry-kwon-2620208.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "slug": "loan-factory-320841",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": "Medford",
          "state": "NJ"
        },
        "headshot_url": "https://lh3.googleusercontent.com/upX882cAIxZGCIfJgXLB8282ZP_jUnFkW0VOcoFlAyNI_DSLxkocI9ViItsKElH35LZ9X0zgJyVQXqdXlLQwAVxfWnpctOt7ZsM",
        "licensed_states": [
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          "PA",
          "AL",
          "CA",
          "GA",
          "IL",
          "ME",
          "NJ",
          "NV",
          "OH",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
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            "state": "IL",
            "confidence": "confirmed"
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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            "state": "NV",
            "confidence": "lender_reported"
          },
          {
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            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "ko"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-10-08",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2024,
          "state": "IL"
        },
        "years_experience": 10,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/terry-kwon-2620208",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Speaks Korean (lender page, verified 2026-10-09)",
        "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: October 8, 2024 (Illinois), per state regulator",
        "States 10 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/terry-kwon-2620208",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/terry-kwon-2620208"
      }
    }
  ]
}