{
  "canonical_url": "https://lendb.ai/lang/ko/north-carolina",
  "summary": "As of 2026-10-20, LenDb lists 2 loan officers licensed in or based in North Carolina whose lender pages say they speak Korean. The top-ranked are Deborah Park (Southern Trust Mortgage, Virginia Beach) and Kevin Lee (Loan Factory). Ranking is lender-neutral: a license in NC, 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": "NC",
  "total": 2,
  "last_verified": "2026-10-20",
  "results": [
    {
      "rank": 1,
      "score": 24.5,
      "loan_officer": {
        "nmls_id": 1113558,
        "slug": "hyo-park-1113558",
        "full_name": "Deborah Park",
        "canonical_url": "https://lendb.ai/lo/hyo-park-1113558",
        "json_url": "https://lendb.ai/lo/hyo-park-1113558.json",
        "lender": {
          "nmls_id": 2921,
          "name": "Southern Trust Mortgage",
          "slug": "southern-trust-mortgage-2921",
          "canonical_url": "https://lendb.ai/lender/southern-trust-mortgage-2921",
          "type": "imb"
        },
        "branch": {
          "city": "Virginia Beach",
          "state": "VA"
        },
        "headshot_url": "https://www.southerntrust.com/wp-content/uploads/2026/06/Park_Deborah_Web.webp",
        "licensed_states": [
          "NC",
          "VA"
        ],
        "licenses": [
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "ko"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "construction",
          "down-payment-assistance",
          "first-time-buyer",
          "investor",
          "jumbo",
          "new-construction",
          "physician",
          "renovation",
          "reverse",
          "self-employed",
          "usda",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-01-14",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.southerntrust.com/deborah-park/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Korean (lender page, verified 2026-10-20)",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 14, 2022 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/hyo-park-1113558",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://www.southerntrust.com/deborah-park/"
      }
    },
    {
      "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)",
        "NC 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": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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"
      }
    }
  ]
}