{
  "canonical_url": "https://lendb.ai/lang/ko/tennessee",
  "summary": "As of 2026-10-09, LenDb lists 2 loan officers licensed in or based in Tennessee whose lender pages say they speak Korean. The top-ranked are Johnathan S. Chang (Loan Factory) and David Kim (Loan Factory). Ranking is lender-neutral: a license in TN, 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": "TN",
  "total": 2,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 31.8,
      "loan_officer": {
        "nmls_id": 2263812,
        "slug": "johnathan-s-chang-2263812",
        "full_name": "Johnathan S. Chang",
        "canonical_url": "https://lendb.ai/lo/johnathan-s-chang-2263812",
        "json_url": "https://lendb.ai/lo/johnathan-s-chang-2263812.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": "TN"
        },
        "headshot_url": "https://lh3.googleusercontent.com/EgrSzghjqbbAtaUE7bFp_U27ZvReEwncqD5pV0coMU_dDtJQq8203KwDH-cDVMwNXh6klcs5Gie2aKJ_WZPPpp-FVk3RPv9lqqOa",
        "licensed_states": [
          "TN"
        ],
        "licenses": [
          {
            "state": "TN",
            "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/johnathan-s-chang-2263812",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Korean (lender page, verified 2026-10-09)",
        "Office in Tennessee",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/johnathan-s-chang-2263812",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/johnathan-s-chang-2263812"
      }
    },
    {
      "rank": 2,
      "score": 26.5,
      "loan_officer": {
        "nmls_id": 1866309,
        "slug": "david-kim-1866309",
        "full_name": "David Kim",
        "canonical_url": "https://lendb.ai/lo/david-kim-1866309",
        "json_url": "https://lendb.ai/lo/david-kim-1866309.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/3bCU0rK9pVjLERB8TajhvLnSVuOY6w-MBJDd3THclTe5-SaYxp_KVpGPWAfgzv_2cY8Z7mSFc8zrSAXQtk01gfkzybqYHNHqdBvx",
        "licensed_states": [
          "TN",
          "WA"
        ],
        "licenses": [
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "ko",
          "vi"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 9,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/david-kim-1866309",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Korean (lender page, verified 2026-10-09)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 9 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/david-kim-1866309",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/david-kim-1866309"
      }
    }
  ]
}