{ "canonical_url": "https://lendb.ai/lang/ko/new-jersey", "summary": "As of 2026-10-19, LenDb lists 3 loan officers licensed in or based in New Jersey whose lender pages say they speak Korean. The top-ranked are Jamie Kim (JPMorgan Chase Bank (Chase Home Lending), Palisades Park), Terry Kwon (Loan Factory, Medford) and Vivian Kim (JPMorgan Chase Bank (Chase Home Lending), Edgewater). Ranking is lender-neutral: a license in NJ, 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": "NJ", "total": 3, "last_verified": "2026-10-19", "results": [ { "rank": 1, "score": 41, "loan_officer": { "nmls_id": 402412, "slug": "jamie-kim-402412", "full_name": "Jamie Kim", "canonical_url": "https://lendb.ai/lo/jamie-kim-402412", "json_url": "https://lendb.ai/lo/jamie-kim-402412.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": "Palisades Park", "state": "NJ" }, "headshot_url": "http://a.mktgcdn.com/p/UAs6XZXPQpgQeGAfQrnt8zJRoUUW9zGSfwwVNjE8NjQ/723x1083.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "ko" ], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "jumbo", "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": 25, "lender_profile_url": "https://homelendingadvisor.chase.com/nj/palisades-park/460-bergen-blvd-ste-100-hla-402412", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Korean (lender page, verified 2026-10-19)", "Office in Palisades Park, NJ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jamie-kim-402412", "license_check": { "state": "NJ", "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": 37, "loan_officer": { "nmls_id": 2620208, "slug": "terry-kwon-2620208", "full_name": "Terry Kwon", "licensed_names": [ { "name": "Terry Kwon", "name_with_middle_initial": "Terry Y. Kwon", "first_name": "Terry", "middle_initial": "Y", "last_name": "Kwon", "states": [ "CA", "CO", "PA", "TX" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/terry-kwon-2620208", "json_url": "https://lendb.ai/lo/terry-kwon-2620208.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": "Medford", "state": "NJ" }, "headshot_url": "https://lh3.googleusercontent.com/upX882cAIxZGCIfJgXLB8282ZP_jUnFkW0VOcoFlAyNI_DSLxkocI9ViItsKElH35LZ9X0zgJyVQXqdXlLQwAVxfWnpctOt7ZsM", "licensed_states": [ "CO", "PA", "AL", "CA", "GA", "IL", "ME", "NJ", "NV", "OH", "TX", "VA", "WA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "ko" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2024-10-08", "state": "IL" }, "licensed_since": { "year": 2024, "state": "IL" }, "years_experience": 10, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/terry-kwon-2620208", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Korean (lender page, verified 2026-10-09)", "Office in Medford, NJ", "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: October 8, 2024 (Illinois), per state regulator", "States 10 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/terry-kwon-2620208", "license_check": { "state": "NJ", "confidence": "lender_reported", "eligible": true, "label": "NJ 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/terry-kwon-2620208" } }, { "rank": 3, "score": 35.5, "loan_officer": { "nmls_id": 1939424, "slug": "vivian-kim-1939424", "full_name": "Vivian Kim", "canonical_url": "https://lendb.ai/lo/vivian-kim-1939424", "json_url": "https://lendb.ai/lo/vivian-kim-1939424.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": "Edgewater", "state": "NJ" }, "headshot_url": "http://a.mktgcdn.com/p/QYCkltKeM7Bdlin2Fik6HslsZyDu8tiU9OvIp94ZduM/469x702.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "ko" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "jumbo", "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": 9, "lender_profile_url": "https://homelendingadvisor.chase.com/nj/edgewater/950-river-rd-hla-1939424", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Korean (lender page, verified 2026-10-19)", "Office in Edgewater, NJ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 9 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/vivian-kim-1939424", "license_check": { "state": "NJ", "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 } } ] }