{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=zh&state=CA",
  "filters": {
    "state": "CA",
    "lang": "zh",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 43.3,
      "loan_officer": {
        "nmls_id": 2767054,
        "slug": "colin-chu-2767054",
        "full_name": "Colin Chu",
        "licensed_names": [
          {
            "name": "Colin Chu",
            "name_with_middle_initial": "Colin G. Chu",
            "first_name": "Colin",
            "middle_initial": "G",
            "last_name": "Chu",
            "states": [
              "CA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/colin-chu-2767054",
        "json_url": "https://lendb.ai/lo/colin-chu-2767054.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "slug": "loan-factory-320841",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
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        },
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          "state": "CA"
        },
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        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "zh"
        ],
        "specialties": [
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2026-04-24",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2026,
          "state": "CA"
        },
        "years_experience": 16,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/colin-chu-2767054",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "Office in California",
        "Licensed in CA: confirmed with the California Department of Real Estate (license 02180675), verified 2026-10-24",
        "Earliest state license record: April 24, 2026 (California), per state regulator",
        "States 16 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/colin-chu-2767054",
      "license_check": {
        "state": "CA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CA: confirmed with the California Department of Real Estate (license 02180675), verified 2026-10-24",
        "verified_at": "2026-10-24",
        "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html"
      }
    },
    {
      "rank": 2,
      "score": 41,
      "loan_officer": {
        "nmls_id": 234798,
        "slug": "grace-inouye-234798",
        "full_name": "Grace Inouye",
        "canonical_url": "https://lendb.ai/lo/grace-inouye-234798",
        "json_url": "https://lendb.ai/lo/grace-inouye-234798.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": "Lafayette",
          "state": "CA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/hftySxD6vlNx1LNeJObIzLHyEdLJhOpjtpXVBp0T6oM/801x1200.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "zh"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
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        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ca/lafayette/3603-mt-diablo-blvd-hla-234798",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-19)",
        "Office in Lafayette, CA",
        "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/grace-inouye-234798",
      "license_check": {
        "state": "CA",
        "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": 41,
      "loan_officer": {
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        "slug": "jennifer-zeng-291305",
        "full_name": "Jennifer Zeng",
        "canonical_url": "https://lendb.ai/lo/jennifer-zeng-291305",
        "json_url": "https://lendb.ai/lo/jennifer-zeng-291305.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": "Sunnyvale",
          "state": "CA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/_dxro5Z_duz5qsdGbirp--DYRpYxIiqIjwfN_GuhHFM/723x1083.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "zh"
        ],
        "specialties": [
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
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            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 24,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ca/sunnyvale/1234-w-el-camino-real-hla-291305",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-19)",
        "Office in Sunnyvale, CA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 24 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jennifer-zeng-291305",
      "license_check": {
        "state": "CA",
        "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": 4,
      "score": 41,
      "loan_officer": {
        "nmls_id": 448559,
        "slug": "ronald-chiu-448559",
        "full_name": "Ronald Chiu",
        "canonical_url": "https://lendb.ai/lo/ronald-chiu-448559",
        "json_url": "https://lendb.ai/lo/ronald-chiu-448559.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": "San Francisco",
          "state": "CA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/oZgj49Ltpt1lwvVFRQSt_sA9IcZAvOO4WjvXd7YFkSM/800x1200.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "zh"
        ],
        "specialties": [
          {
            "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"
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        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ca/san-francisco/3533-california-st-hla-448559",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-19)",
        "Office in San Francisco, CA",
        "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/ronald-chiu-448559",
      "license_check": {
        "state": "CA",
        "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": 5,
      "score": 41,
      "loan_officer": {
        "nmls_id": 502350,
        "slug": "steven-diec-502350",
        "full_name": "Steven Diec",
        "licensed_names": [
          {
            "name": "Steven Diec",
            "name_with_middle_initial": "Steven C. Diec",
            "first_name": "Steven",
            "middle_initial": "C",
            "last_name": "Diec",
            "states": [
              "CA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/steven-diec-502350",
        "json_url": "https://lendb.ai/lo/steven-diec-502350.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": "Santa Clara",
          "state": "CA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/j5CKWDozkNp194LUG6m3cvWBxQnRwk8xartVVpQ8MCo/731x1095.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "fr",
          "vi",
          "zh"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-02-27",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2024,
          "state": "CA"
        },
        "years_experience": 25,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ca/santa-clara/3057-stevens-creek-blvd-hla-502350",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-19)",
        "Office in Santa Clara, CA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: February 27, 2024 (California), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/steven-diec-502350",
      "license_check": {
        "state": "CA",
        "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": 6,
      "score": 41,
      "loan_officer": {
        "nmls_id": 670052,
        "slug": "sandra-grant-670052",
        "full_name": "Sandra Grant",
        "canonical_url": "https://lendb.ai/lo/sandra-grant-670052",
        "json_url": "https://lendb.ai/lo/sandra-grant-670052.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": "Aliso Viejo",
          "state": "CA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/v19nkCMRh2sio9Qy2OcLMPXiWOXfIvW6MXnsohUUP30/600x900.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
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        ],
        "specialties": [
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        ],
        "lender_offers": [],
        "employer_program_approvals": [
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            "source": "HUD",
            "as_of": "2026-08"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 33,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ca/aliso-viejo/26821-aliso-creek-rd-hla-670052",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-19)",
        "Office in Aliso Viejo, CA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 33 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/sandra-grant-670052",
      "license_check": {
        "state": "CA",
        "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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    {
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      "score": 40.8,
      "loan_officer": {
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        "slug": "marcus-wong-1234766",
        "full_name": "Marcus Wong",
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        "json_url": "https://lendb.ai/lo/marcus-wong-1234766.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": null,
          "state": "CA"
        },
        "headshot_url": "https://lh3.googleusercontent.com/K3QaYxABa1fpKS3i8Bd3pqxJykWnc3JxUHmZ0TBubzt7ZW7n6Xw0eTYSw8jbUC5UrieWqdkOyiPJ2dbpDStxnhqWf20G3E0F62o",
        "licensed_states": [
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        "licenses": [
          {
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            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [
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          "es",
          "zh"
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        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2014-11-19",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2014,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/marcus-wong-1234766",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "Office in California",
        "Licensed in CA: confirmed with the California Department of Real Estate (license 02096466), verified 2026-10-24",
        "Earliest state license record: November 19, 2014 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/marcus-wong-1234766",
      "license_check": {
        "state": "CA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CA: confirmed with the California Department of Real Estate (license 02096466), verified 2026-10-24",
        "verified_at": "2026-10-24",
        "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html"
      }
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    {
      "rank": 8,
      "score": 40.5,
      "loan_officer": {
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        "slug": "pan-wang-2329872",
        "full_name": "Pan Wang",
        "canonical_url": "https://lendb.ai/lo/pan-wang-2329872",
        "json_url": "https://lendb.ai/lo/pan-wang-2329872.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": "CA"
        },
        "headshot_url": "https://lh3.googleusercontent.com/k0VKSMMFiEirZYN3VBAcm4wfnu66vjeDpW8o-Cy8URfCH7Wiu_ShtqE-ewEt1TFzO9F___NBj2PpIY8WtfMOv9RmDdQygGDoCP8JOA",
        "licensed_states": [
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        "licenses": [
          {
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            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "zh"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-09-12",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2022,
          "state": "CA"
        },
        "years_experience": 10,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/pan-wang-2329872",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "Office in California",
        "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI2329872), verified 2026-10-24",
        "Earliest state license record: September 12, 2022 (California), per state regulator",
        "States 10 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/pan-wang-2329872",
      "license_check": {
        "state": "CA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI2329872), verified 2026-10-24",
        "verified_at": "2026-10-24",
        "source_url": "https://dfpi.ca.gov/"
      }
    },
    {
      "rank": 9,
      "score": 40.3,
      "loan_officer": {
        "nmls_id": 274271,
        "slug": "amy-lee-274271",
        "full_name": "Amy Lee",
        "canonical_url": "https://lendb.ai/lo/amy-lee-274271",
        "json_url": "https://lendb.ai/lo/amy-lee-274271.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": "Studio City",
          "state": "CA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/DPK-Mzje7BLk3vAL4LoVrVZFM_ZsSh4wT947lGs_gwM/834x1250.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "zh"
        ],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
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}