{
  "canonical_url": "https://lendb.ai/lang/ko/maryland",
  "summary": "As of 2026-10-19, LenDb lists 2 loan officers licensed in or based in Maryland whose lender pages say they speak Korean. The top-ranked are Eun Karen Cohen (Bank of America, Ellicott City) and Kevin Lee (Loan Factory). Ranking is lender-neutral: a license in MD, 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": "MD",
  "total": 2,
  "last_verified": "2026-10-19",
  "results": [
    {
      "rank": 1,
      "score": 30,
      "loan_officer": {
        "nmls_id": 1714270,
        "slug": "eun-karen-cohen-1714270",
        "full_name": "Eun Karen Cohen",
        "canonical_url": "https://lendb.ai/lo/eun-karen-cohen-1714270",
        "json_url": "https://lendb.ai/lo/eun-karen-cohen-1714270.json",
        "lender": {
          "nmls_id": 399802,
          "name": "Bank of America",
          "slug": "bank-of-america-399802",
          "canonical_url": "https://lendb.ai/lender/bank-of-america-399802",
          "type": "bank"
        },
        "branch": {
          "city": "Ellicott City",
          "state": "MD"
        },
        "headshot_url": "https://images.em.bankofamerica.com/AMP/E6DCF0E6-8CEF-4274-AC32-2424A34B6829.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "ko"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "jumbo",
          "physician",
          "va"
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mortgage.bankofamerica.com/eun-cohen",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Korean (lender page, verified 2026-10-19)",
        "Office in Ellicott City, MD",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/eun-karen-cohen-1714270",
      "license_check": {
        "state": "MD",
        "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": 21.3,
      "loan_officer": {
        "nmls_id": 1520304,
        "slug": "kevin-lee-1520304",
        "full_name": "Kevin Lee",
        "canonical_url": "https://lendb.ai/lo/kevin-lee-1520304",
        "json_url": "https://lendb.ai/lo/kevin-lee-1520304.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/St_9xAHaFOZFbFESyy2S2Kk9ru7OLrkXGeVUZFbksG5dJExw0QxmGGU7_mdLLnjKkWF68sBj0BYDUJzA6B_VX-ZN99nbzoGp934",
        "licensed_states": [
          "GA",
          "MD",
          "NC"
        ],
        "licenses": [
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "ko"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/kevin-lee-1520304",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Korean (lender page, verified 2026-10-09)",
        "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/kevin-lee-1520304",
      "license_check": {
        "state": "MD",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MD 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/kevin-lee-1520304"
      }
    }
  ]
}