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            "confidence": "confirmed"
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          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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            "state": "WA",
            "confidence": "lender_reported"
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          {
            "state": "WV",
            "confidence": "lender_reported"
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        ],
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        "languages": [
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        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
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          "state": "CA"
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          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/john-thuan-nguyen-2054388",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "CO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 19, 2021 (California), per state regulator"
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      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "CO 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/john-thuan-nguyen-2054388"
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    }
  ]
}