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Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-19", "source_url": null } }, { "rank": 8, "score": 39.5, "loan_officer": { "nmls_id": 495262, "slug": "jessie-yu-495262", "full_name": "Jessie Yu", "canonical_url": "https://lendb.ai/lo/jessie-yu-495262", "json_url": "https://lendb.ai/lo/jessie-yu-495262.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": "Brooklyn", "state": "NY" }, "headshot_url": "http://a.mktgcdn.com/p/RMgZpKGo0MGN4-KIMLFIl1Za76FDDG3LTnA5aZ2EsgM/2679x3456.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [ { "slug": "vacation-home", "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": 17, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/brooklyn/8418-bay-pkwy-hla-495262", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in Brooklyn, NY", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 17 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jessie-yu-495262", "license_check": { "state": "NY", "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": 9, "score": 38.5, "loan_officer": { "nmls_id": 627959, "slug": "sharon-liu-627959", "full_name": "Sharon Liu", "canonical_url": "https://lendb.ai/lo/sharon-liu-627959", "json_url": "https://lendb.ai/lo/sharon-liu-627959.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": "Brooklyn", "state": "NY" }, "headshot_url": "http://a.mktgcdn.com/p/qpCbCJGWsJjx3D9qWCzGvmRwJCvbKOzzUQ3XL3RgDM0/600x900.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [ { "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": 15, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/brooklyn/6501-ft-hamilton-pkwy-hla-627959", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in Brooklyn, NY", "Likely federally registered (works at a bank). 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