{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=vi&state=CA",
  "filters": {
    "state": "CA",
    "lang": "vi",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 46,
      "loan_officer": {
        "nmls_id": 233572,
        "slug": "lani-vu-233572",
        "full_name": "Lani Vu",
        "licensed_names": [
          {
            "name": "Lan Vu",
            "name_with_middle_initial": "Lan X. Vu",
            "first_name": "Lan",
            "middle_initial": "X",
            "last_name": "Vu",
            "states": [
              "CA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-15"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/lani-vu-233572",
        "json_url": "https://lendb.ai/lo/lani-vu-233572.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": null,
          "state": "CA"
        },
        "headshot_url": "https://lh3.googleusercontent.com/K--OyN_2gns4Qt0GCQavp_gD4cbw8fUw7_k_w-Dr9walb8-_TLLxRCIbnV5jh_NJmareLeZs6rA_93d6F9N8i2B8n1pI2ODNsKI",
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 30,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/lani-vu-233572",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "Office in California",
        "Licensed in CA: confirmed with the California Department of Real Estate (license 00896930), verified 2026-10-24",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/lani-vu-233572",
      "license_check": {
        "state": "CA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CA: confirmed with the California Department of Real Estate (license 00896930), verified 2026-10-24",
        "verified_at": "2026-10-24",
        "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html"
      }
    },
    {
      "rank": 2,
      "score": 45.5,
      "loan_officer": {
        "nmls_id": 697234,
        "slug": "lisa-le-697234",
        "full_name": "Lisa Le",
        "licensed_names": [
          {
            "name": "Lisa Le",
            "name_with_middle_initial": "Lisa T. Le",
            "first_name": "Lisa",
            "middle_initial": "T",
            "last_name": "Le",
            "states": [
              "CA",
              "DE",
              "FL",
              "MA",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/lisa-le-697234",
        "json_url": "https://lendb.ai/lo/lisa-le-697234.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": "Westminster",
          "state": "CA"
        },
        "headshot_url": "https://lh3.googleusercontent.com/Q9zjv1wa9RnM0x7IRxqxGOO8HreRKHxnblGWups6l1XesSifOfLyoQy1EqVJucho3bayaxabnuRqLbZpDMOJ1LmtEdzAKLjaBQTB",
        "licensed_states": [
          "FL",
          "CA",
          "DE",
          "GA",
          "IL",
          "IN",
          "MA",
          "ME",
          "NC",
          "NH",
          "TX"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2015-04-09",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2015,
          "state": "CA"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/lisa-le-697234",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "Office in Westminster, CA",
        "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO697234), verified 2026-10-24",
        "Earliest state license record: April 9, 2015 (California), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/lisa-le-697234",
      "license_check": {
        "state": "CA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO697234), verified 2026-10-24",
        "verified_at": "2026-10-24",
        "source_url": "https://dfpi.ca.gov/"
      }
    },
    {
      "rank": 3,
      "score": 45.5,
      "loan_officer": {
        "nmls_id": 876387,
        "slug": "james-trinh-876387",
        "full_name": "James Trinh",
        "licensed_names": [
          {
            "name": "James Trinh",
            "name_with_middle_initial": "James N. Trinh",
            "first_name": "James",
            "middle_initial": "N",
            "last_name": "Trinh",
            "states": [
              "CA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-15"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/james-trinh-876387",
        "json_url": "https://lendb.ai/lo/james-trinh-876387.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": null,
          "state": "CA"
        },
        "headshot_url": "https://lh3.googleusercontent.com/y0XEgdVTzq2yzA-7Gf0QReMsjzsCCGOV3xFPEj7kVBS9IQVCN7y72nKk2gGLtJDbuiLmrgumnn5agTBF2xifCoLHuSzZ10F8lz0E",
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/james-trinh-876387",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "Office in California",
        "Licensed in CA: confirmed with the California Department of Real Estate (license 01918841), verified 2026-10-24",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/james-trinh-876387",
      "license_check": {
        "state": "CA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CA: confirmed with the California Department of Real Estate (license 01918841), verified 2026-10-24",
        "verified_at": "2026-10-24",
        "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html"
      }
    },
    {
      "rank": 4,
      "score": 45,
      "loan_officer": {
        "nmls_id": 2184794,
        "slug": "thomas-nguyen-2184794",
        "full_name": "Thomas Nguyen",
        "canonical_url": "https://lendb.ai/lo/thomas-nguyen-2184794",
        "json_url": "https://lendb.ai/lo/thomas-nguyen-2184794.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": "Westminster",
          "state": "CA"
        },
        "headshot_url": "https://lh3.googleusercontent.com/mJ4k-oVQBJ3UHlx0d9iH-O3Lcg57HHDz6_lqHHY_nM9mckx4Q_Loh3LKudrtr3BzjjTPFBIFuuAlBT1275QEL9eb_AgVIFMWtf4",
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AZ",
          "CA",
          "CO",
          "DC",
          "DE",
          "GA",
          "HI",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "NC",
          "ND",
          "NH",
          "NV",
          "OH",
          "OR",
          "PA",
          "SD",
          "TN",
          "TX",
          "UT",
          "VA",
          "VT",
          "WA",
          "WI",
          "WY"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "confirmed"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          },
          {
            "state": "WY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-12-26",
          "state": "IA"
        },
        "licensed_since": {
          "year": 2025,
          "state": "IA"
        },
        "years_experience": 24,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/thomas-nguyen-2184794",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "Office in Westminster, CA",
        "Licensed in CA: confirmed with the California Department of Real Estate (license 01964750), verified 2026-10-24",
        "Earliest state license record: December 26, 2025 (Iowa), per state regulator",
        "States 24 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/thomas-nguyen-2184794",
      "license_check": {
        "state": "CA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CA: confirmed with the California Department of Real Estate (license 01964750), verified 2026-10-24",
        "verified_at": "2026-10-24",
        "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html"
      }
    },
    {
      "rank": 5,
      "score": 41.3,
      "loan_officer": {
        "nmls_id": 333794,
        "slug": "kim-duong-333794",
        "full_name": "Kim Duong",
        "licensed_names": [
          {
            "name": "Kimxa Duong",
            "name_with_middle_initial": null,
            "first_name": "Kimxa",
            "middle_initial": null,
            "last_name": "Duong",
            "states": [
              "WI"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-21"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/kim-duong-333794",
        "json_url": "https://lendb.ai/lo/kim-duong-333794.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "slug": "chase-399798",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Huntington Beach",
          "state": "CA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/iKevKjMNdaNr7QLp1W-7VjvFi2TSMVrBcvEkeaWVU1M/229x320.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "vi"
        ],
        "specialties": [],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2013-09-11",
          "state": "WI"
        },
        "licensed_since": {
          "year": 2013,
          "state": "WI"
        },
        "years_experience": 20,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ca/huntington-beach/7830-edinger-ave-hla-333794",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-26)",
        "Office in Huntington Beach, CA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: September 11, 2013 (Wisconsin), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kim-duong-333794",
      "license_check": {
        "state": "CA",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-26",
        "source_url": null
      }
    },
    {
      "rank": 6,
      "score": 41,
      "loan_officer": {
        "nmls_id": 502350,
        "slug": "steven-diec-502350",
        "full_name": "Steven Diec",
        "licensed_names": [
          {
            "name": "Steven Diec",
            "name_with_middle_initial": "Steven C. Diec",
            "first_name": "Steven",
            "middle_initial": "C",
            "last_name": "Diec",
            "states": [
              "CA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/steven-diec-502350",
        "json_url": "https://lendb.ai/lo/steven-diec-502350.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "slug": "chase-399798",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Santa Clara",
          "state": "CA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/j5CKWDozkNp194LUG6m3cvWBxQnRwk8xartVVpQ8MCo/731x1095.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "fr",
          "vi",
          "zh"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-02-27",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2024,
          "state": "CA"
        },
        "years_experience": 25,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ca/santa-clara/3057-stevens-creek-blvd-hla-502350",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-19)",
        "Office in Santa Clara, CA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: February 27, 2024 (California), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/steven-diec-502350",
      "license_check": {
        "state": "CA",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-19",
        "source_url": null
      }
    },
    {
      "rank": 7,
      "score": 40.5,
      "loan_officer": {
        "nmls_id": 692141,
        "slug": "kathleen-dinh-692141",
        "full_name": "Kathleen Dinh",
        "canonical_url": "https://lendb.ai/lo/kathleen-dinh-692141",
        "json_url": "https://lendb.ai/lo/kathleen-dinh-692141.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "slug": "chase-399798",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Westminster",
          "state": "CA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/5ZU_XgiZoAOJbYZA-8kH3yeTTTVLNKb3BH_nEXjM4vs/732x1096.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "vi"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 19,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ca/westminster/6951-bolsa-ave-hla-692141",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-19)",
        "Office in Westminster, CA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 19 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kathleen-dinh-692141",
      "license_check": {
        "state": "CA",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-19",
        "source_url": null
      }
    },
    {
      "rank": 8,
      "score": 40.3,
      "loan_officer": {
        "nmls_id": 670999,
        "slug": "joseph-c-tran-670999",
        "full_name": "Joseph C Tran",
        "canonical_url": "https://lendb.ai/lo/joseph-c-tran-670999",
        "json_url": "https://lendb.ai/lo/joseph-c-tran-670999.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "slug": "chase-399798",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/xeSe976MWWTO1azb0v4DCZpWhC1U1Xcos_aYkLeKTYQ/826x1237.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "vi"
        ],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 23,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ca/san-diego/3609-midway-dr-hla-670999",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-19)",
        "Office in San Diego, CA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 23 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/joseph-c-tran-670999",
      "license_check": {
        "state": "CA",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-19",
        "source_url": null
      }
    },
    {
      "rank": 9,
      "score": 39.3,
      "loan_officer": {
        "nmls_id": 1399674,
        "slug": "toan-thi-1399674",
        "full_name": "Toan Thi",
        "licensed_names": [
          {
            "name": "Toan Thi",
            "name_with_middle_initial": "Toan T. Thi",
            "first_name": "Toan",
            "middle_initial": "T",
            "last_name": "Thi",
            "states": [
              "CA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/toan-thi-1399674",
        "json_url": "https://lendb.ai/lo/toan-thi-1399674.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": null,
          "state": "CA"
        },
        "headshot_url": "https://lh3.googleusercontent.com/B2kCk2O5YUKufPmy4sXhdfduvc3P5-uxQnsKhtmi_8hrZEaRYHC3Wq8VFA_PlJWODYjN9e2BwPKMkUM9A9AclCmSltER4aHqu1eP",
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-02-14",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2017,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/toan-thi-1399674",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "Office in California",
        "Licensed in CA: confirmed with the California Department of Real Estate (license 01852290), verified 2026-10-24",
        "Earliest state license record: February 14, 2017 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/toan-thi-1399674",
      "license_check": {
        "state": "CA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CA: confirmed with the California Department of Real Estate (license 01852290), verified 2026-10-24",
        "verified_at": "2026-10-24",
        "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html"
      }
    },
    {
      "rank": 10,
      "score": 38.5,
      "loan_officer": {
        "nmls_id": 376720,
        "slug": "tiffany-hua-376720",
        "full_name": "Tiffany Hua",
        "canonical_url": "https://lendb.ai/lo/tiffany-hua-376720",
        "json_url": "https://lendb.ai/lo/tiffany-hua-376720.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "slug": "chase-399798",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Irvine",
          "state": "CA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/PMwoyISO4HlWTo6mEcSQ8zzcv-3zbx_erGlAnkK097Y/1178x1767.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "vi"
        ],
        "specialties": [
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2012-04-10",
          "state": "IA"
        },
        "licensed_since": {
          "year": 2012,
          "state": "IA"
        },
        "years_experience": 15,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ca/irvine/6875-quail-hill-pkwy-hla-376720",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-26)",
        "Office in Irvine, CA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: April 10, 2012 (Iowa), per state regulator",
        "States 15 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/tiffany-hua-376720",
      "license_check": {
        "state": "CA",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-26",
        "source_url": null
      }
    }
  ]
}