{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=vi&state=NY",
  "filters": {
    "state": "NY",
    "lang": "vi",
    "limit": 10
  },
  "count": 1,
  "results": [
    {
      "rank": 1,
      "score": 40.3,
      "loan_officer": {
        "nmls_id": 404088,
        "slug": "philip-dai-404088",
        "full_name": "Philip Dai",
        "canonical_url": "https://lendb.ai/lo/philip-dai-404088",
        "json_url": "https://lendb.ai/lo/philip-dai-404088.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": "Flushing",
          "state": "NY"
        },
        "headshot_url": "http://a.mktgcdn.com/p/y-2b9tLu_WVEJ2USfrlbs4RQ7rGiV2wY4igtefPrL7I/600x900.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "vi",
          "zh"
        ],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "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": 39,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/flushing/32-45-francis-lewis-blvd-hla-404088",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-19)",
        "Office in Flushing, NY",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 39 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/philip-dai-404088",
      "license_check": {
        "state": "NY",
        "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
      }
    }
  ]
}