{
  "canonical_url": "https://lendb.ai/lang/ko/virginia",
  "summary": "As of 2026-10-26, LenDb lists 11 loan officers licensed in or based in Virginia whose lender pages say they speak Korean. The top-ranked are Andrew Ahn (JPMorgan Chase Bank (Chase Home Lending), Dumfries), Tiffany Lim (JPMorgan Chase Bank (Chase Home Lending), Falls Church) and Deborah Park (Southern Trust Mortgage, Virginia Beach). Ranking is lender-neutral: a license in VA, 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": "VA",
  "total": 11,
  "last_verified": "2026-10-26",
  "results": [
    {
      "rank": 1,
      "score": 41,
      "loan_officer": {
        "nmls_id": 457829,
        "slug": "andrew-ahn-457829",
        "full_name": "Andrew Ahn",
        "canonical_url": "https://lendb.ai/lo/andrew-ahn-457829",
        "json_url": "https://lendb.ai/lo/andrew-ahn-457829.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": "Dumfries",
          "state": "VA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/jKM6sL-i8NBkCPLVdw4ADJJga17njjnzyDpdDQ334_E/723x1083.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"
          },
          {
            "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": 20,
        "lender_profile_url": "https://homelendingadvisor.chase.com/va/dumfries/4421-fortuna-center-plz-hla-457829",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Korean (lender page, verified 2026-10-19)",
        "Office in Dumfries, VA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/andrew-ahn-457829",
      "license_check": {
        "state": "VA",
        "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": 40,
      "loan_officer": {
        "nmls_id": 830856,
        "slug": "tiffany-lim-830856",
        "full_name": "Tiffany Lim",
        "canonical_url": "https://lendb.ai/lo/tiffany-lim-830856",
        "json_url": "https://lendb.ai/lo/tiffany-lim-830856.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": "Falls Church",
          "state": "VA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/xwNNsu36eP376HqdAISXJ3S5wX8CTlSaH2qcZcRzpJ0/723x1083.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "ko"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "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": 18,
        "lender_profile_url": "https://homelendingadvisor.chase.com/va/falls-church/100-w-falls-station-blvd-hla-830856",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Korean (lender page, verified 2026-10-26)",
        "Office in Falls Church, VA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 18 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/tiffany-lim-830856",
      "license_check": {
        "state": "VA",
        "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": "2026-10-26",
        "source_url": null
      }
    },
    {
      "rank": 3,
      "score": 34.5,
      "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)",
        "Office in Virginia Beach, VA",
        "VA 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": "VA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VA 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": 4,
      "score": 34.5,
      "loan_officer": {
        "nmls_id": 1811891,
        "slug": "anna-kennedy-1811891",
        "full_name": "Anna Kennedy",
        "licensed_names": [
          {
            "name": "Anna Kennedy",
            "name_with_middle_initial": "Anna H. Kennedy",
            "first_name": "Anna",
            "middle_initial": "H",
            "last_name": "Kennedy",
            "states": [
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/anna-kennedy-1811891",
        "json_url": "https://lendb.ai/lo/anna-kennedy-1811891.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": "Fairfax",
          "state": "VA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/uTdajAz5cXKrH9bjb8SpB6C_ue2o9N2PLUBGhKpKBfA/1668x2500.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "ko"
        ],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2019-09-18",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/va/fairfax/12955-fair-lakes-shopping-ctr-hla-1811891",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Korean (lender page, verified 2026-10-26)",
        "Office in Fairfax, VA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: September 18, 2019 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/anna-kennedy-1811891",
      "license_check": {
        "state": "VA",
        "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": "2026-10-26",
        "source_url": null
      }
    },
    {
      "rank": 5,
      "score": 33.5,
      "loan_officer": {
        "nmls_id": 1041741,
        "slug": "chul-yi-1041741",
        "full_name": "Phillip Yi",
        "canonical_url": "https://lendb.ai/lo/chul-yi-1041741",
        "json_url": "https://lendb.ai/lo/chul-yi-1041741.json",
        "lender": {
          "nmls_id": 399801,
          "name": "Wells Fargo Home Mortgage",
          "slug": "wells-fargo-399801",
          "canonical_url": "https://lendb.ai/lender/wells-fargo-399801",
          "type": "bank"
        },
        "branch": {
          "city": "Falls Church",
          "state": "VA"
        },
        "headshot_url": "https://dynl.mktgcdn.com/p/7gbAhYdzGj69-T5F1_UBpGOMriE0eraix7HDI88ZYVs/600x450.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "ko"
        ],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "jumbo"
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-12-20",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://homeloans.wellsfargo.com/mortgage/va/falls-church/phillip-yi",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Korean (lender page, verified 2026-10-19)",
        "Office in Falls Church, VA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: December 20, 2021 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/chul-yi-1041741",
      "license_check": {
        "state": "VA",
        "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": 6,
      "score": 32.5,
      "loan_officer": {
        "nmls_id": 984993,
        "slug": "martin-seungkook-oh-984993",
        "full_name": "Martin Seungkook Oh",
        "canonical_url": "https://lendb.ai/lo/martin-seungkook-oh-984993",
        "json_url": "https://lendb.ai/lo/martin-seungkook-oh-984993.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": "Las Vegas",
          "state": "NV"
        },
        "headshot_url": "https://lh3.googleusercontent.com/ft7Uo5MHIIUQU_rn4IgDi7Ymc-b2tllmm0GLB7x4Vio9H91g2scoGNDe0DzX_pGCUApA-ZoOt3T5YRULjsMl-YY7xIt6DUsOLOTh8g",
        "licensed_states": [
          "FL",
          "CA",
          "MD",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es",
          "ko"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-11-17",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/martin-seungkook-oh-984993",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Korean (lender page, verified 2026-10-09)",
        "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 17, 2025 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/martin-seungkook-oh-984993",
      "license_check": {
        "state": "VA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VA 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/martin-seungkook-oh-984993"
      }
    },
    {
      "rank": 7,
      "score": 29.5,
      "loan_officer": {
        "nmls_id": 2055478,
        "slug": "sam-ahn-2055478",
        "full_name": "Sam Ahn",
        "licensed_names": [
          {
            "name": "Sam Ahn",
            "name_with_middle_initial": "Sam S. Ahn",
            "first_name": "Sam",
            "middle_initial": "S",
            "last_name": "Ahn",
            "states": [
              "MD"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/sam-ahn-2055478",
        "json_url": "https://lendb.ai/lo/sam-ahn-2055478.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/h2HYoDnQWQLijdi2TudgHd5_xgV29lF9DMda3h_f0ynOumpqpqBqa07inhDon5qhq6rz4psfy9LweBZqmEEJPRRotHXxPGhmqO4HbQ",
        "licensed_states": [
          "DC",
          "MD",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "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": null,
        "licensed_since": null,
        "years_experience": 15,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/sam-ahn-2055478",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Korean (lender page, verified 2026-10-09)",
        "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 15 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/sam-ahn-2055478",
      "license_check": {
        "state": "VA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VA 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/sam-ahn-2055478"
      }
    },
    {
      "rank": 8,
      "score": 27,
      "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": [
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        "Earliest state license record: October 8, 2024 (Illinois), per state regulator",
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}