{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=zh&state=DC",
  "filters": {
    "state": "DC",
    "lang": "zh",
    "limit": 10
  },
  "count": 1,
  "results": [
    {
      "rank": 1,
      "score": 38,
      "loan_officer": {
        "nmls_id": 955744,
        "slug": "ling-dublin-955744",
        "full_name": "Ling Dublin",
        "canonical_url": "https://lendb.ai/lo/ling-dublin-955744",
        "json_url": "https://lendb.ai/lo/ling-dublin-955744.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": "Washington",
          "state": "DC"
        },
        "headshot_url": "http://a.mktgcdn.com/p/9cOj_uJknCjfLoZFVeh3mOPuNF_Zd247-7BILFd4xNQ/667x1000.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"
          }
        ],
        "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": 14,
        "lender_profile_url": "https://homelendingadvisor.chase.com/dc/washington/3140-m-st-nw-hla-955744",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-19)",
        "Office in Washington, DC",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 14 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/ling-dublin-955744",
      "license_check": {
        "state": "DC",
        "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
      }
    }
  ]
}