{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=vi&state=TN",
  "filters": {
    "state": "TN",
    "lang": "vi",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 32,
      "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)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "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": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/thomas-nguyen-2184794"
      }
    },
    {
      "rank": 2,
      "score": 31,
      "loan_officer": {
        "nmls_id": 320775,
        "slug": "thuan-nguyen-320775",
        "full_name": "Thuan Nguyen",
        "licensed_names": [
          {
            "name": "Thuan Nguyen",
            "name_with_middle_initial": "Thuan T. Nguyen",
            "first_name": "Thuan",
            "middle_initial": "T",
            "last_name": "Nguyen",
            "states": [
              "AR",
              "CA",
              "DE",
              "FL",
              "IA",
              "MA",
              "MD",
              "MO",
              "OR",
              "TX",
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/thuan-nguyen-320775",
        "json_url": "https://lendb.ai/lo/thuan-nguyen-320775.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": null
        },
        "headshot_url": "https://lh3.googleusercontent.com/BEZwF-8_6QHJRdN2uVlkiZo8nWaZvbE2cNeq-CE6XgEmxxwDSFCZS7aIG4L_bMFZpGAu4HOsa8iM7c0gXKS45dJCjWtEUcy4scU",
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "DC",
          "DE",
          "GA",
          "HI",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT",
          "VA",
          "VT",
          "WA",
          "WI",
          "WV",
          "WY"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "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": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "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": "WV",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2014-04-29",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2014,
          "state": "TX"
        },
        "years_experience": 18,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/thuan-nguyen-320775",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 29, 2014 (Texas), per state regulator",
        "States 18 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/thuan-nguyen-320775",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/thuan-nguyen-320775"
      }
    },
    {
      "rank": 3,
      "score": 30,
      "loan_officer": {
        "nmls_id": 2133035,
        "slug": "minh-thu-le-2133035",
        "full_name": "Minh Thu Le",
        "canonical_url": "https://lendb.ai/lo/minh-thu-le-2133035",
        "json_url": "https://lendb.ai/lo/minh-thu-le-2133035.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": null
        },
        "headshot_url": "https://lh3.googleusercontent.com/JIF-B0MxQqni4nQd9NhNsctxgDkA63wUF6Aw_eF9QinbV-bqcx6p9upVGl68_BPnOyaC5sAuF3LOG-ZWYABjIOlb_l20FJ0x9SA",
        "licensed_states": [
          "FL",
          "PA",
          "MD",
          "MO",
          "TN",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-03-25",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2024,
          "state": "FL"
        },
        "years_experience": 15,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/minh-thu-le-2133035",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 25, 2024 (Florida), per state regulator",
        "States 15 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/minh-thu-le-2133035",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/minh-thu-le-2133035"
      }
    },
    {
      "rank": 4,
      "score": 26.5,
      "loan_officer": {
        "nmls_id": 1866309,
        "slug": "david-kim-1866309",
        "full_name": "David Kim",
        "canonical_url": "https://lendb.ai/lo/david-kim-1866309",
        "json_url": "https://lendb.ai/lo/david-kim-1866309.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": null
        },
        "headshot_url": "https://lh3.googleusercontent.com/3bCU0rK9pVjLERB8TajhvLnSVuOY6w-MBJDd3THclTe5-SaYxp_KVpGPWAfgzv_2cY8Z7mSFc8zrSAXQtk01gfkzybqYHNHqdBvx",
        "licensed_states": [
          "TN",
          "WA"
        ],
        "licenses": [
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "ko",
          "vi"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 9,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/david-kim-1866309",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 9 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/david-kim-1866309",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/david-kim-1866309"
      }
    },
    {
      "rank": 5,
      "score": 24.5,
      "loan_officer": {
        "nmls_id": 2007852,
        "slug": "hung-le-2007852",
        "full_name": "Hung Le",
        "licensed_names": [
          {
            "name": "Hung Le",
            "name_with_middle_initial": "Hung V. Le",
            "first_name": "Hung",
            "middle_initial": "V",
            "last_name": "Le",
            "states": [
              "FL",
              "OR"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          },
          {
            "name": "Hung Van Le",
            "name_with_middle_initial": null,
            "first_name": "Hung",
            "middle_initial": null,
            "last_name": "Van Le",
            "states": [
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-12"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/hung-le-2007852",
        "json_url": "https://lendb.ai/lo/hung-le-2007852.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": null
        },
        "headshot_url": "https://lh3.googleusercontent.com/asC0wO6AaJvztYKMjRStl40297K2V91GXISauizky7QKCU5Pl5-IegzYL1iRsV3z_eu1T1BXAoFgGaOMoQhwHEIMMTq8h0zMzzexAg",
        "licensed_states": [
          "FL",
          "AZ",
          "OR",
          "TN",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-05-03",
          "state": "OR"
        },
        "licensed_since": {
          "year": 2021,
          "state": "OR"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/hung-le-2007852",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 3, 2021 (Oregon), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/hung-le-2007852",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/hung-le-2007852"
      }
    },
    {
      "rank": 6,
      "score": 24.5,
      "loan_officer": {
        "nmls_id": 2226019,
        "slug": "tien-le-hoang-dang-2226019",
        "full_name": "Tien Le Hoang Dang",
        "canonical_url": "https://lendb.ai/lo/tien-le-hoang-dang-2226019",
        "json_url": "https://lendb.ai/lo/tien-le-hoang-dang-2226019.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": null
        },
        "headshot_url": "https://lh3.googleusercontent.com/M5yqbHngDD3qM8Ga49thpx3mayPIthQLxRqnmqICecijeJXX83SpFX35epvZTFBH2UVUkd8AX3Kwbl5r96gUFml6oE-UzxfbKpeO",
        "licensed_states": [
          "FL",
          "PA",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "DE",
          "IL",
          "IN",
          "KY",
          "LA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "ND",
          "NH",
          "NM",
          "OH",
          "OK",
          "OR",
          "SD",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "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": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-11-29",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/tien-le-hoang-dang-2226019",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 29, 2021 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/tien-le-hoang-dang-2226019",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/tien-le-hoang-dang-2226019"
      }
    },
    {
      "rank": 7,
      "score": 24.3,
      "loan_officer": {
        "nmls_id": 2002741,
        "slug": "trang-m-hoang-2002741",
        "full_name": "Trang M. Hoang",
        "canonical_url": "https://lendb.ai/lo/trang-m-hoang-2002741",
        "json_url": "https://lendb.ai/lo/trang-m-hoang-2002741.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": null
        },
        "headshot_url": "https://lh3.googleusercontent.com/ZGr4a5VYCGNeLaLoO0lpjZkKzgTtIWITHrTcXjg84E3E_IPgXosY_SUN0X85Z0lbx9xtLfGnPkSBPm6FnQ4zUvxY699a-6Eh1BF3",
        "licensed_states": [
          "PA",
          "AZ",
          "GA",
          "MI",
          "MO",
          "NC",
          "NM",
          "NV",
          "OK",
          "OR",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2020-10-23",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2020,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/trang-m-hoang-2002741",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: October 23, 2020 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/trang-m-hoang-2002741",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/trang-m-hoang-2002741"
      }
    },
    {
      "rank": 8,
      "score": 24,
      "loan_officer": {
        "nmls_id": 2502864,
        "slug": "phung-pham-2502864",
        "full_name": "Phung Pham",
        "licensed_names": [
          {
            "name": "Phung Pham",
            "name_with_middle_initial": "Phung D. Pham",
            "first_name": "Phung",
            "middle_initial": "D",
            "last_name": "Pham",
            "states": [
              "FL",
              "IA",
              "LA",
              "PA",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-19"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/phung-pham-2502864",
        "json_url": "https://lendb.ai/lo/phung-pham-2502864.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": null
        },
        "headshot_url": "https://lh3.googleusercontent.com/hMyhHOXqr-U3g0cWvUY_fEFawWq2g7CFoj0Cs3VKITeEgeLWz8qarkNWn8Cgx-qev7_3rjHX9FEawKIKMAGQRAmm-rU3BeTdylg6",
        "licensed_states": [
          "FL",
          "PA",
          "GA",
          "LA",
          "NC",
          "OH",
          "OK",
          "TN",
          "TX"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-08-11",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2023,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/phung-pham-2502864",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 11, 2023 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/phung-pham-2502864",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/phung-pham-2502864"
      }
    },
    {
      "rank": 9,
      "score": 23.8,
      "loan_officer": {
        "nmls_id": 1997380,
        "slug": "vince-truong-1997380",
        "full_name": "Vince Truong",
        "licensed_names": [
          {
            "name": "Vince Truong",
            "name_with_middle_initial": "Vince P. Truong",
            "first_name": "Vince",
            "middle_initial": "P",
            "last_name": "Truong",
            "states": [
              "CA",
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/vince-truong-1997380",
        "json_url": "https://lendb.ai/lo/vince-truong-1997380.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": null
        },
        "headshot_url": "https://lh3.googleusercontent.com/ajCa7NLDgdeGpkl6UMqOAXI8kKWuTfKfrXb3Y0iCZzAxgNi0yMZFx7dOQiWRIRIOqCmU6suLtR0nxUrklt8COJXGDr8fInjdMKJRFw",
        "licensed_states": [
          "FL",
          "AL",
          "CA",
          "TN"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-02-11",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2021,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/vince-truong-1997380",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 11, 2021 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/vince-truong-1997380",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/vince-truong-1997380"
      }
    },
    {
      "rank": 10,
      "score": 23.8,
      "loan_officer": {
        "nmls_id": 2052517,
        "slug": "dinh-pham-2052517",
        "full_name": "Dinh Pham",
        "licensed_names": [
          {
            "name": "Dinh Pham",
            "name_with_middle_initial": "Dinh N. Pham",
            "first_name": "Dinh",
            "middle_initial": "N",
            "last_name": "Pham",
            "states": [
              "CA",
              "IA",
              "MO",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/dinh-pham-2052517",
        "json_url": "https://lendb.ai/lo/dinh-pham-2052517.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": "Gladstone",
          "state": "MO"
        },
        "headshot_url": "https://lh3.googleusercontent.com/ZwN4g4edQhxyNwhbCDR4x8nZNeLPMNdIOQAGI5ravtnG5Avoz2HELKR7TdeeLeLEnsN7Ev03ng1cYINU_bVFpAxfRn0BjVoDia42_Q",
        "licensed_states": [
          "CA",
          "IA",
          "IN",
          "KS",
          "KY",
          "MO",
          "ND",
          "NH",
          "SD",
          "TN",
          "TX",
          "WI"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-08-20",
          "state": "WI"
        },
        "licensed_since": {
          "year": 2021,
          "state": "WI"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/dinh-pham-2052517",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 20, 2021 (Wisconsin), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/dinh-pham-2052517",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/dinh-pham-2052517"
      }
    }
  ]
}