{
  "canonical_url": "https://lendb.ai/lang/ms/new-york",
  "summary": "As of 2026-10-16, LenDb lists 1 loan officer licensed in or based in New York whose lender pages say they speak Malay. The top-ranked is Steven Yap (United Nations Federal Credit Union, Long Island City). Ranking is lender-neutral: a license in NY, 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": "ms",
  "state": "NY",
  "total": 1,
  "last_verified": "2026-10-16",
  "results": [
    {
      "rank": 1,
      "score": 30.5,
      "loan_officer": {
        "nmls_id": 1301900,
        "slug": "steven-yap-1301900",
        "full_name": "Steven Yap",
        "canonical_url": "https://lendb.ai/lo/steven-yap-1301900",
        "json_url": "https://lendb.ai/lo/steven-yap-1301900.json",
        "lender": {
          "nmls_id": 456916,
          "name": "United Nations Federal Credit Union",
          "slug": "united-nations-federal-credit-union-456916",
          "canonical_url": "https://lendb.ai/lender/united-nations-federal-credit-union-456916",
          "type": "credit_union"
        },
        "branch": {
          "city": "Long Island City",
          "state": "NY"
        },
        "headshot_url": "https://www.unfcu.org/globalassets/photos/headshots/headshot-mortgage-steven-yap.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "en",
          "ms",
          "zh"
        ],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.unfcu.org/us-home-ownership/find-representative/steven-yap/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Malay (lender page, verified 2026-10-16)",
        "Office in Long Island City, NY",
        "Likely federally registered (works at a credit union). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/steven-yap-1301900",
      "license_check": {
        "state": "NY",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a credit union). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-16",
        "source_url": null
      }
    }
  ]
}