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          "year": 2023,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/thu-le-2324610",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (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: February 24, 2023 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/thu-le-2324610",
      "license_check": {
        "state": "OH",
        "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/thu-le-2324610"
      }
    }
  ]
}