{
  "canonical_url": "https://lendb.ai/lang/ko/florida",
  "summary": "As of 2026-10-15, LenDb lists 1 loan officer licensed in or based in Florida whose lender pages say they speak Korean. The top-ranked is Jay Baek (Loan Factory). Ranking is lender-neutral: a license in FL, branch location, experience and profile completeness. Nobody pays for placement. Languages come only from loan officers' own lender pages, and most lender pages do not list languages. A loan officer missing from this list may still speak it: not listed means not stated, not that they do not speak it.",
  "language": "ko",
  "state": "FL",
  "total": 1,
  "last_verified": "2026-10-15",
  "results": [
    {
      "rank": 1,
      "score": 35.8,
      "loan_officer": {
        "nmls_id": 2604557,
        "slug": "junghun-baek-2604557",
        "full_name": "Jay Baek",
        "canonical_url": "https://lendb.ai/lo/junghun-baek-2604557",
        "json_url": "https://lendb.ai/lo/junghun-baek-2604557.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": "FL"
        },
        "headshot_url": "https://lh3.googleusercontent.com/EsK6Xu_1GP9awZVafXyu_GODyaTaMXI5KJKJ0A5vUm9dujKIZwqRC-rGRo4ME7Rcm2uV7_yjmGgXLk57GB6fcXkw9G2MlYUWdu8",
        "licensed_states": [
          "FL"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "ko"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-06-12",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2024,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/jay-baek-2604557",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Korean (lender page, verified 2026-10-09)",
        "Office in Florida",
        "Licensed in FL: confirmed with the Florida regulator (license LO129389), verified 2026-10-15",
        "Earliest state license record: June 12, 2024 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/junghun-baek-2604557",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO129389), verified 2026-10-15",
        "verified_at": "2026-10-15",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip"
      }
    }
  ]
}