{ "canonical_url": "https://lendb.ai/lang/vi/california", "summary": "As of 2026-10-26, LenDb lists 57 loan officers licensed in or based in California whose lender pages say they speak Vietnamese. The top-ranked are Lani Vu (Loan Factory), Lisa Le (Loan Factory, Westminster) and James Trinh (Loan Factory). Ranking is lender-neutral: a license in CA, 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": "vi", "state": "CA", "total": 57, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 46, "loan_officer": { "nmls_id": 233572, "slug": "lani-vu-233572", "full_name": "Lani Vu", "licensed_names": [ { "name": "Lan Vu", "name_with_middle_initial": "Lan X. Vu", "first_name": "Lan", "middle_initial": "X", "last_name": "Vu", "states": [ "CA" ], "source": "state_regulator", "as_of": "2026-10-15" } ], "canonical_url": "https://lendb.ai/lo/lani-vu-233572", "json_url": "https://lendb.ai/lo/lani-vu-233572.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": "CA" }, "headshot_url": "https://lh3.googleusercontent.com/K--OyN_2gns4Qt0GCQavp_gD4cbw8fUw7_k_w-Dr9walb8-_TLLxRCIbnV5jh_NJmareLeZs6rA_93d6F9N8i2B8n1pI2ODNsKI", "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "vi" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/lani-vu-233572", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Vietnamese (lender page, verified 2026-10-09)", "Office in California", "Licensed in CA: confirmed with the California Department of Real Estate (license 00896930), verified 2026-10-24", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/lani-vu-233572", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Real Estate (license 00896930), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html" } }, { "rank": 2, "score": 45.5, "loan_officer": { "nmls_id": 697234, "slug": "lisa-le-697234", "full_name": "Lisa Le", "licensed_names": [ { "name": "Lisa Le", "name_with_middle_initial": "Lisa T. Le", "first_name": "Lisa", "middle_initial": "T", "last_name": "Le", "states": [ "CA", "DE", "FL", "MA", "TX" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/lisa-le-697234", "json_url": "https://lendb.ai/lo/lisa-le-697234.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": "Westminster", "state": "CA" }, "headshot_url": "https://lh3.googleusercontent.com/Q9zjv1wa9RnM0x7IRxqxGOO8HreRKHxnblGWups6l1XesSifOfLyoQy1EqVJucho3bayaxabnuRqLbZpDMOJ1LmtEdzAKLjaBQTB", "licensed_states": [ "FL", "CA", "DE", "GA", "IL", "IN", "MA", "ME", "NC", "NH", "TX" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MA", "confidence": "confirmed" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "vi" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2015-04-09", "state": "CA" }, "licensed_since": { "year": 2015, "state": "CA" }, "years_experience": 20, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/lisa-le-697234", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Vietnamese (lender page, verified 2026-10-09)", "Office in Westminster, CA", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO697234), verified 2026-10-24", "Earliest state license record: April 9, 2015 (California), per state regulator", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/lisa-le-697234", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO697234), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" } }, { "rank": 3, "score": 45.5, "loan_officer": { "nmls_id": 876387, "slug": "james-trinh-876387", "full_name": "James Trinh", "licensed_names": [ { "name": "James Trinh", "name_with_middle_initial": "James N. Trinh", "first_name": "James", "middle_initial": "N", "last_name": "Trinh", "states": [ "CA" ], "source": "state_regulator", "as_of": "2026-10-15" } ], "canonical_url": "https://lendb.ai/lo/james-trinh-876387", "json_url": "https://lendb.ai/lo/james-trinh-876387.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": "CA" }, "headshot_url": "https://lh3.googleusercontent.com/y0XEgdVTzq2yzA-7Gf0QReMsjzsCCGOV3xFPEj7kVBS9IQVCN7y72nKk2gGLtJDbuiLmrgumnn5agTBF2xifCoLHuSzZ10F8lz0E", "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "vi" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/james-trinh-876387", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Vietnamese (lender page, verified 2026-10-09)", "Office in California", "Licensed in CA: confirmed with the California Department of Real Estate (license 01918841), verified 2026-10-24", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/james-trinh-876387", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Real Estate (license 01918841), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html" } }, { "rank": 4, "score": 45, "loan_officer": { "nmls_id": 2184794, "slug": "thomas-nguyen-2184794", "full_name": "Thomas Nguyen", "canonical_url": "https://lendb.ai/lo/thomas-nguyen-2184794", "json_url": "https://lendb.ai/lo/thomas-nguyen-2184794.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": "Westminster", "state": "CA" }, "headshot_url": "https://lh3.googleusercontent.com/mJ4k-oVQBJ3UHlx0d9iH-O3Lcg57HHDz6_lqHHY_nM9mckx4Q_Loh3LKudrtr3BzjjTPFBIFuuAlBT1275QEL9eb_AgVIFMWtf4", "licensed_states": [ "FL", "AK", "AL", "AZ", "CA", "CO", "DC", "DE", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "NC", "ND", "NH", "NV", "OH", "OR", "PA", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WY" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "vi" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2025-12-26", "state": "IA" }, "licensed_since": { "year": 2025, "state": "IA" }, "years_experience": 24, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/thomas-nguyen-2184794", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Vietnamese (lender page, verified 2026-10-09)", "Office in Westminster, CA", "Licensed in CA: confirmed with the California Department of Real Estate (license 01964750), verified 2026-10-24", "Earliest state license record: December 26, 2025 (Iowa), per state regulator", "States 24 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/thomas-nguyen-2184794", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Real Estate (license 01964750), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html" } }, { "rank": 5, "score": 41.3, "loan_officer": { "nmls_id": 333794, "slug": "kim-duong-333794", "full_name": "Kim Duong", "licensed_names": [ { "name": "Kimxa Duong", "name_with_middle_initial": null, "first_name": "Kimxa", "middle_initial": null, "last_name": "Duong", "states": [ "WI" ], "source": "state_regulator", "as_of": "2026-10-21" } ], "canonical_url": "https://lendb.ai/lo/kim-duong-333794", "json_url": "https://lendb.ai/lo/kim-duong-333794.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": "Huntington Beach", "state": "CA" }, "headshot_url": "http://a.mktgcdn.com/p/iKevKjMNdaNr7QLp1W-7VjvFi2TSMVrBcvEkeaWVU1M/229x320.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "vi" ], "specialties": [], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2013-09-11", "state": "WI" }, "licensed_since": { "year": 2013, "state": "WI" }, "years_experience": 20, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/huntington-beach/7830-edinger-ave-hla-333794", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Vietnamese (lender page, verified 2026-10-26)", "Office in Huntington Beach, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Earliest state license record: September 11, 2013 (Wisconsin), per state regulator", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kim-duong-333794", "license_check": { "state": "CA", "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": 6, "score": 41, "loan_officer": { "nmls_id": 502350, "slug": "steven-diec-502350", "full_name": "Steven Diec", "licensed_names": [ { "name": "Steven Diec", "name_with_middle_initial": "Steven C. Diec", "first_name": "Steven", "middle_initial": "C", "last_name": "Diec", "states": [ "CA" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/steven-diec-502350", "json_url": "https://lendb.ai/lo/steven-diec-502350.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": "Santa Clara", "state": "CA" }, "headshot_url": "http://a.mktgcdn.com/p/j5CKWDozkNp194LUG6m3cvWBxQnRwk8xartVVpQ8MCo/731x1095.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "fr", "vi", "zh" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2024-02-27", "state": "CA" }, "licensed_since": { "year": 2024, "state": "CA" }, "years_experience": 25, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/santa-clara/3057-stevens-creek-blvd-hla-502350", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Vietnamese (lender page, verified 2026-10-19)", "Office in Santa Clara, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Earliest state license record: February 27, 2024 (California), per state regulator", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/steven-diec-502350", "license_check": { "state": "CA", "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": 7, "score": 40.5, "loan_officer": { "nmls_id": 692141, "slug": "kathleen-dinh-692141", "full_name": "Kathleen Dinh", "canonical_url": "https://lendb.ai/lo/kathleen-dinh-692141", "json_url": "https://lendb.ai/lo/kathleen-dinh-692141.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": "Westminster", "state": "CA" }, "headshot_url": "http://a.mktgcdn.com/p/5ZU_XgiZoAOJbYZA-8kH3yeTTTVLNKb3BH_nEXjM4vs/732x1096.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "vi" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "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": 19, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/westminster/6951-bolsa-ave-hla-692141", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Vietnamese (lender page, verified 2026-10-19)", "Office in Westminster, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 19 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kathleen-dinh-692141", "license_check": { "state": "CA", "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": 8, "score": 40.3, "loan_officer": { "nmls_id": 670999, "slug": "joseph-c-tran-670999", "full_name": "Joseph C Tran", "canonical_url": "https://lendb.ai/lo/joseph-c-tran-670999", "json_url": "https://lendb.ai/lo/joseph-c-tran-670999.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": "San Diego", "state": "CA" }, "headshot_url": "http://a.mktgcdn.com/p/xeSe976MWWTO1azb0v4DCZpWhC1U1Xcos_aYkLeKTYQ/826x1237.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "vi" ], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "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": 23, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/san-diego/3609-midway-dr-hla-670999", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Vietnamese (lender page, verified 2026-10-19)", "Office in San Diego, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 23 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/joseph-c-tran-670999", "license_check": { "state": "CA", "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": 9, "score": 39.3, "loan_officer": { "nmls_id": 1399674, "slug": "toan-thi-1399674", "full_name": "Toan Thi", "licensed_names": [ { "name": "Toan Thi", "name_with_middle_initial": "Toan T. 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