{
  "canonical_url": "https://lendb.ai/lang/ko/texas",
  "summary": "As of 2026-10-15, LenDb lists 3 loan officers licensed in or based in Texas whose lender pages say they speak Korean. The top-ranked are Charles Chulmin Park (VIP Mortgage Inc., Colleyville), Duo Ok (Loan Factory) and Ben Fransen (Kama'aina Mortgage Group Inc., Honolulu). Ranking is lender-neutral: a license in TX, 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": "TX",
  "total": 3,
  "last_verified": "2026-10-15",
  "results": [
    {
      "rank": 1,
      "score": 42.8,
      "loan_officer": {
        "nmls_id": 496212,
        "slug": "chul-park-496212",
        "full_name": "Charles Chulmin Park",
        "canonical_url": "https://lendb.ai/lo/chul-park-496212",
        "json_url": "https://lendb.ai/lo/chul-park-496212.json",
        "lender": {
          "nmls_id": 266210,
          "name": "VIP Mortgage Inc.",
          "slug": "vip-mortgage-inc-266210",
          "canonical_url": "https://lendb.ai/lender/vip-mortgage-inc-266210",
          "type": "imb"
        },
        "branch": {
          "city": "Colleyville",
          "state": "TX"
        },
        "headshot_url": "https://cdn.mortgagehosting.com/images/460/RQXnbEtK/charles-chulmin-park__h-200.webp",
        "licensed_states": [
          "TX"
        ],
        "licenses": [
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "ko"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2014-03-21",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2014,
          "state": "TX"
        },
        "years_experience": 14,
        "lender_profile_url": "https://www.vipmtg.com/chulmin/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Korean (lender page, verified 2026-10-15)",
        "Office in Colleyville, TX",
        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "Earliest state license record: March 21, 2014 (Texas), per state regulator",
        "States 14 years of experience (lender page, 2026-10-15)"
      ],
      "canonical_url": "https://lendb.ai/lo/chul-park-496212",
      "license_check": {
        "state": "TX",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
      }
    },
    {
      "rank": 2,
      "score": 35.3,
      "loan_officer": {
        "nmls_id": 2566954,
        "slug": "duo-ok-2566954",
        "full_name": "Duo Ok",
        "canonical_url": "https://lendb.ai/lo/duo-ok-2566954",
        "json_url": "https://lendb.ai/lo/duo-ok-2566954.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": "TX"
        },
        "headshot_url": "https://lh3.googleusercontent.com/mH6PLFK1Qu3MCNK4IKBEDwQTyJ5SqiEHH8hDb12s3MO4StSgimlKRF0oX1wp4xgZ-ddaGe6GMLKz3i8ldbJQ5v-nYuXLjWxLeKx1",
        "licensed_states": [
          "TX"
        ],
        "licenses": [
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "ko"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-01-24",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2025,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/duo-ok-2566954",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Korean (lender page, verified 2026-10-09)",
        "Office in Texas",
        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "Earliest state license record: January 24, 2025 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/duo-ok-2566954",
      "license_check": {
        "state": "TX",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
      }
    },
    {
      "rank": 3,
      "score": 24.8,
      "loan_officer": {
        "nmls_id": 2004153,
        "slug": "benjamin-fransen-2004153",
        "full_name": "Ben Fransen",
        "licensed_names": [
          {
            "name": "Benjamin Fransen",
            "name_with_middle_initial": "Benjamin D. Fransen",
            "first_name": "Benjamin",
            "middle_initial": "D",
            "last_name": "Fransen",
            "states": [
              "CA",
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/benjamin-fransen-2004153",
        "json_url": "https://lendb.ai/lo/benjamin-fransen-2004153.json",
        "lender": {
          "nmls_id": 1276471,
          "name": "Kama'aina Mortgage Group Inc.",
          "slug": "kama-aina-mortgage-group-inc-1276471",
          "canonical_url": "https://lendb.ai/lender/kama-aina-mortgage-group-inc-1276471",
          "type": "imb"
        },
        "branch": {
          "city": "Honolulu",
          "state": "HI"
        },
        "headshot_url": "https://cdn.prod.website-files.com/692ed72deeca580e1cf7f297/6a146d4ca1aa4472778a7431_Ben%20Fransen%201.webp",
        "licensed_states": [
          "FL",
          "CA",
          "CO",
          "HI",
          "NV",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "ko"
        ],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-02-28",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.kmghawaii.com/team-member/ben-fransen",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Korean (lender page, verified 2026-10-15)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 28, 2023 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/benjamin-fransen-2004153",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://www.kmghawaii.com/team-member/ben-fransen"
      }
    }
  ]
}