{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=vi&state=WA",
  "filters": {
    "state": "WA",
    "lang": "vi",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 41,
      "loan_officer": {
        "nmls_id": 129308,
        "slug": "trang-pham-129308",
        "full_name": "Trang Pham",
        "canonical_url": "https://lendb.ai/lo/trang-pham-129308",
        "json_url": "https://lendb.ai/lo/trang-pham-129308.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": "Issaquah",
          "state": "WA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/Io1Ep98iq69GFcnzHwZoR9ZXzqV58fUOkmAAyrGKILs/834x1250.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "vi"
        ],
        "specialties": [
          {
            "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": 20,
        "lender_profile_url": "https://homelendingadvisor.chase.com/wa/issaquah/1195-nw-gilman-blvd-hla-129308",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-19)",
        "Office in Issaquah, WA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/trang-pham-129308",
      "license_check": {
        "state": "WA",
        "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": 2,
      "score": 40.3,
      "loan_officer": {
        "nmls_id": 998284,
        "slug": "kim-dang-998284",
        "full_name": "Kim Dang",
        "canonical_url": "https://lendb.ai/lo/kim-dang-998284",
        "json_url": "https://lendb.ai/lo/kim-dang-998284.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": "Renton",
          "state": "WA"
        },
        "headshot_url": null,
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "vi"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "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": 20,
        "lender_profile_url": "https://homelendingadvisor.chase.com/wa/renton/4110-ne-4th-st-hla-998284",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-19)",
        "Office in Renton, WA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kim-dang-998284",
      "license_check": {
        "state": "WA",
        "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": 3,
      "score": 35.3,
      "loan_officer": {
        "nmls_id": 1493436,
        "slug": "huong-le-1493436",
        "full_name": "Huong Le",
        "canonical_url": "https://lendb.ai/lo/huong-le-1493436",
        "json_url": "https://lendb.ai/lo/huong-le-1493436.json",
        "lender": {
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          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "slug": "chase-399798",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Seattle",
          "state": "WA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/4HsS_IyMHPdQfdkChubI1chKNStB1ysYRv7WuZfgk9w/731x1095.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "vi"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "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"
          }
        ],
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          {
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            "as_of": "2026-08"
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        ],
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 10,
        "lender_profile_url": "https://homelendingadvisor.chase.com/wa/seattle/301-broadway-e-hla-1493436",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-26)",
        "Office in Seattle, WA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 10 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/huong-le-1493436",
      "license_check": {
        "state": "WA",
        "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
      }
    },
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      "rank": 4,
      "score": 33.5,
      "loan_officer": {
        "nmls_id": 378733,
        "slug": "thoai-pham-378733",
        "full_name": "Thoai Pham",
        "licensed_names": [
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            "name_with_middle_initial": "Thoai T. Pham",
            "first_name": "Thoai",
            "middle_initial": "T",
            "last_name": "Pham",
            "states": [
              "CA",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/thoai-pham-378733",
        "json_url": "https://lendb.ai/lo/thoai-pham-378733.json",
        "lender": {
          "nmls_id": 1276471,
          "name": "Kama'aina Mortgage Group Inc.",
          "slug": "kama-aina-mortgage-group-inc-1276471",
          "canonical_url": "https://lendb.ai/lender/kama-aina-mortgage-group-inc-1276471",
          "type": "imb"
        },
        "branch": {
          "city": "Honolulu",
          "state": "HI"
        },
        "headshot_url": "https://cdn.prod.website-files.com/692ed72deeca580e1cf7f297/6a146b3a6cb8cd0238ab7f71_Thoai%20Pham%201.webp",
        "licensed_states": [
          "TX",
          "AZ",
          "CA",
          "HI",
          "NV",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
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          "vi"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-05-04",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2021,
          "state": "CA"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.kmghawaii.com/team-member/thoai-pham",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-15)",
        "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 4, 2021 (California), per state regulator",
        "States 20 years of experience (lender page, 2026-10-15)"
      ],
      "canonical_url": "https://lendb.ai/lo/thoai-pham-378733",
      "license_check": {
        "state": "WA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://www.kmghawaii.com/team-member/thoai-pham"
      }
    },
    {
      "rank": 5,
      "score": 33.5,
      "loan_officer": {
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        "slug": "yen-tran-2281936",
        "full_name": "Yen Tran",
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          {
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            "name_with_middle_initial": "Yen N. Tran",
            "first_name": "Yen",
            "middle_initial": "N",
            "last_name": "Tran",
            "states": [
              "CA",
              "FL",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/yen-tran-2281936",
        "json_url": "https://lendb.ai/lo/yen-tran-2281936.json",
        "lender": {
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          "name": "Loan Factory",
          "slug": "loan-factory-320841",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": "Seattle",
          "state": "WA"
        },
        "headshot_url": "https://lh3.googleusercontent.com/Lfq1OlFnQD8GNukFVWJRN_vR4mlQRDwhRHbJylZnsk50que7Oii3lTVaT5vBWfYYaoP8nU_MQC1ZqigsooI1PUQ7MNOHvlXFhnhc",
        "licensed_states": [
          "FL",
          "CA",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "vi"
        ],
        "specialties": [],
        "lender_offers": [],
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        "earliest_license_record": {
          "date": "2024-02-27",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2024,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/yen-tran-2281936",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "Office in Seattle, WA",
        "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 27, 2024 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/yen-tran-2281936",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "WA 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/yen-tran-2281936"
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    },
    {
      "rank": 6,
      "score": 33,
      "loan_officer": {
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        "slug": "kristine-ta-2703334",
        "full_name": "Kristine Ta",
        "canonical_url": "https://lendb.ai/lo/kristine-ta-2703334",
        "json_url": "https://lendb.ai/lo/kristine-ta-2703334.json",
        "lender": {
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          "name": "Loan Factory",
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          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
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          "state": "WA"
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        "licenses": [
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            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [
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          "vi"
        ],
        "specialties": [
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            "evidence": "lender_page_text"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/kristine-ta-2703334",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "Office in Washington",
        "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/kristine-ta-2703334",
      "license_check": {
        "state": "WA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "WA 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/kristine-ta-2703334"
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    },
    {
      "rank": 7,
      "score": 32.5,
      "loan_officer": {
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        "slug": "ly-huong-tran-2042136",
        "full_name": "Ly Huong Tran",
        "canonical_url": "https://lendb.ai/lo/ly-huong-tran-2042136",
        "json_url": "https://lendb.ai/lo/ly-huong-tran-2042136.json",
        "lender": {
          "nmls_id": 399802,
          "name": "Bank of America",
          "slug": "bank-of-america-399802",
          "canonical_url": "https://lendb.ai/lender/bank-of-america-399802",
          "type": "bank"
        },
        "branch": {
          "city": "Lacey",
          "state": "WA"
        },
        "headshot_url": "https://images.em.bankofamerica.com/AMP/DA207C1A-AB45-413D-8855-C1C090FA568E.png",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "vi"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "jumbo",
          "physician",
          "va"
        ],
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 5,
        "lender_profile_url": "https://mortgage.bankofamerica.com/ly-h-tran",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-19)",
        "Office in Lacey, WA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 5 years of experience (lender page, 2026-10-19)"
      ],
      "canonical_url": "https://lendb.ai/lo/ly-huong-tran-2042136",
      "license_check": {
        "state": "WA",
        "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
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    },
    {
      "rank": 8,
      "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": [
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          "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"
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          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
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          {
            "state": "IA",
            "confidence": "confirmed"
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          {
            "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"
          },
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