{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=zh&state=CO",
  "filters": {
    "state": "CO",
    "lang": "zh",
    "limit": 10
  },
  "count": 5,
  "results": [
    {
      "rank": 1,
      "score": 34,
      "loan_officer": {
        "nmls_id": 2010289,
        "slug": "marissa-gurtler-2010289",
        "full_name": "Marissa Gurtler",
        "licensed_names": [
          {
            "name": "Marissa Gurtler",
            "name_with_middle_initial": "Marissa A. Gurtler",
            "first_name": "Marissa",
            "middle_initial": "A",
            "last_name": "Gurtler",
            "states": [
              "CO",
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/marissa-gurtler-2010289",
        "json_url": "https://lendb.ai/lo/marissa-gurtler-2010289.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": "Denver",
          "state": "CO"
        },
        "headshot_url": "http://a.mktgcdn.com/p/yRzl1gy2JPc7irqbOU3QMyHiDjGJJ-8CkyEJf96tscE/224x335.jpg",
        "licensed_states": [
          "FL",
          "MA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": true,
        "languages": [
          "zh"
        ],
        "specialties": [
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-02-18",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": 6,
        "lender_profile_url": "https://homelendingadvisor.chase.com/co/denver/740-w-colfax-ave-hla-2010289",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-19)",
        "Office in Denver, CO",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: February 18, 2021 (Florida), per state regulator",
        "States 6 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/marissa-gurtler-2010289",
      "license_check": {
        "state": "CO",
        "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": 31,
      "loan_officer": {
        "nmls_id": 679038,
        "slug": "li-zhang-679038",
        "full_name": "Li Zhang",
        "canonical_url": "https://lendb.ai/lo/li-zhang-679038",
        "json_url": "https://lendb.ai/lo/li-zhang-679038.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": "Fort Collins",
          "state": "CO"
        },
        "headshot_url": "http://a.mktgcdn.com/p/eojIJRYT0hXq1dzQF5NKwgpU_VBGbKouDf0xEff0uo8/3024x4032.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "zh"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "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": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/co/fort-collins/4603-boardwalk-dr-hla-679038",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-19)",
        "Office in Fort Collins, CO",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/li-zhang-679038",
      "license_check": {
        "state": "CO",
        "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": 27.5,
      "loan_officer": {
        "nmls_id": 2267181,
        "slug": "lijun-hague-2267181",
        "full_name": "Lijun Hague",
        "canonical_url": "https://lendb.ai/lo/lijun-hague-2267181",
        "json_url": "https://lendb.ai/lo/lijun-hague-2267181.json",
        "lender": {
          "nmls_id": 1216108,
          "name": "Zero Point Mortgage Services",
          "slug": "zero-point-mortgage-services-1216108",
          "canonical_url": "https://lendb.ai/lender/zero-point-mortgage-services-1216108",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://irp.cdn-website.com/99454db7/dms3rep/multi/opt/lijun-hague-1920w.png",
        "licensed_states": [
          "AZ",
          "CA",
          "CO",
          "FL",
          "NM",
          "OR",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "zh"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-07-15",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2022,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.zpmloans.com/ZPM-Officers/lijun-hague",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-15)",
        "Licensed in CO: confirmed with the Colorado regulator (license 100533911), verified 2026-10-16",
        "Earliest state license record: July 15, 2022 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/lijun-hague-2267181",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100533911), verified 2026-10-16",
        "verified_at": "2026-10-16",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=302212&contact=510757"
      }
    },
    {
      "rank": 4,
      "score": 27,
      "loan_officer": {
        "nmls_id": 760271,
        "slug": "kwok-choy-760271",
        "full_name": "Kwok Choy",
        "licensed_names": [
          {
            "name": "Kwok Choy",
            "name_with_middle_initial": "Kwok C. Choy",
            "first_name": "Kwok",
            "middle_initial": "C",
            "last_name": "Choy",
            "states": [
              "CA",
              "CO",
              "CT",
              "FL",
              "MD",
              "OR",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/kwok-choy-760271",
        "json_url": "https://lendb.ai/lo/kwok-choy-760271.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/Fo3Wqu5aipDU9J7SWdpVoyNOb-rL1wi98c6b_yM5-YiUEfgrLT4EIANDS7rmORGHX9BLHRgWyfz4P-BXgeO0IL1ZvdQ5xWPydLcNFw",
        "licensed_states": [
          "FL",
          "AZ",
          "GA",
          "IL",
          "MD",
          "TX",
          "CA",
          "CT",
          "CO",
          "OR"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "zh"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-10-09",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "IL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/kwok-choy-760271",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "Licensed in CO: confirmed with the Colorado regulator (license 100542538), verified 2026-10-16",
        "Earliest state license record: October 9, 2022 (Illinois), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/kwok-choy-760271",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100542538), verified 2026-10-16",
        "verified_at": "2026-10-16",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=339897&contact=573687"
      }
    },
    {
      "rank": 5,
      "score": 22.8,
      "loan_officer": {
        "nmls_id": 1838793,
        "slug": "rosette-xu-1838793",
        "full_name": "Rosette Xu",
        "licensed_names": [
          {
            "name": "Rosette Xu",
            "name_with_middle_initial": "Rosette T. Xu",
            "first_name": "Rosette",
            "middle_initial": "T",
            "last_name": "Xu",
            "states": [
              "CA",
              "FL",
              "MA",
              "MD"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/rosette-xu-1838793",
        "json_url": "https://lendb.ai/lo/rosette-xu-1838793.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/If29_cxLSnSDt4fN7RFSFvPGFioU65Uovzs0b0BML5EnmfMHfHQDB_j0ibGMmJShx3kEBm7hTbdPOKw27tvaXOkBYeMw6OdGtUCh",
        "licensed_states": [
          "CA",
          "CO",
          "MA",
          "MD",
          "MI",
          "NC",
          "NJ",
          "PA",
          "VA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "zh"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-07-26",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/rosette-xu-1838793",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "CO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 26, 2023 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/rosette-xu-1838793",
      "license_check": {
        "state": "CO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CO 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/rosette-xu-1838793"
      }
    }
  ]
}