{
  "canonical_url": "https://lendb.ai/lang/vi/kentucky",
  "summary": "As of 2026-10-09, LenDb lists 10 loan officers licensed in or based in Kentucky whose lender pages say they speak Vietnamese. The top-ranked are Thomas Nguyen (Loan Factory, Westminster), Thuan Nguyen (Loan Factory) and Tien Le Hoang Dang (Loan Factory). Ranking is lender-neutral: a license in KY, 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": "KY",
  "total": 10,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 32,
      "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)",
        "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "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": "KY",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KY 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/thomas-nguyen-2184794"
      }
    },
    {
      "rank": 2,
      "score": 31,
      "loan_officer": {
        "nmls_id": 320775,
        "slug": "thuan-nguyen-320775",
        "full_name": "Thuan Nguyen",
        "licensed_names": [
          {
            "name": "Thuan Nguyen",
            "name_with_middle_initial": "Thuan T. Nguyen",
            "first_name": "Thuan",
            "middle_initial": "T",
            "last_name": "Nguyen",
            "states": [
              "AR",
              "CA",
              "DE",
              "FL",
              "IA",
              "MA",
              "MD",
              "MO",
              "OR",
              "TX",
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/thuan-nguyen-320775",
        "json_url": "https://lendb.ai/lo/thuan-nguyen-320775.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/BEZwF-8_6QHJRdN2uVlkiZo8nWaZvbE2cNeq-CE6XgEmxxwDSFCZS7aIG4L_bMFZpGAu4HOsa8iM7c0gXKS45dJCjWtEUcy4scU",
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "DC",
          "DE",
          "GA",
          "HI",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT",
          "VA",
          "VT",
          "WA",
          "WI",
          "WV",
          "WY"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "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": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "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": "WV",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2014-04-29",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2014,
          "state": "TX"
        },
        "years_experience": 18,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/thuan-nguyen-320775",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 29, 2014 (Texas), per state regulator",
        "States 18 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/thuan-nguyen-320775",
      "license_check": {
        "state": "KY",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KY 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/thuan-nguyen-320775"
      }
    },
    {
      "rank": 3,
      "score": 24.5,
      "loan_officer": {
        "nmls_id": 2226019,
        "slug": "tien-le-hoang-dang-2226019",
        "full_name": "Tien Le Hoang Dang",
        "canonical_url": "https://lendb.ai/lo/tien-le-hoang-dang-2226019",
        "json_url": "https://lendb.ai/lo/tien-le-hoang-dang-2226019.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/M5yqbHngDD3qM8Ga49thpx3mayPIthQLxRqnmqICecijeJXX83SpFX35epvZTFBH2UVUkd8AX3Kwbl5r96gUFml6oE-UzxfbKpeO",
        "licensed_states": [
          "FL",
          "PA",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "DE",
          "IL",
          "IN",
          "KY",
          "LA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "ND",
          "NH",
          "NM",
          "OH",
          "OK",
          "OR",
          "SD",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "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": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-11-29",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/tien-le-hoang-dang-2226019",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 29, 2021 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/tien-le-hoang-dang-2226019",
      "license_check": {
        "state": "KY",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KY 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/tien-le-hoang-dang-2226019"
      }
    },
    {
      "rank": 4,
      "score": 23.8,
      "loan_officer": {
        "nmls_id": 2052517,
        "slug": "dinh-pham-2052517",
        "full_name": "Dinh Pham",
        "licensed_names": [
          {
            "name": "Dinh Pham",
            "name_with_middle_initial": "Dinh N. Pham",
            "first_name": "Dinh",
            "middle_initial": "N",
            "last_name": "Pham",
            "states": [
              "CA",
              "IA",
              "MO",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/dinh-pham-2052517",
        "json_url": "https://lendb.ai/lo/dinh-pham-2052517.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": "Gladstone",
          "state": "MO"
        },
        "headshot_url": "https://lh3.googleusercontent.com/ZwN4g4edQhxyNwhbCDR4x8nZNeLPMNdIOQAGI5ravtnG5Avoz2HELKR7TdeeLeLEnsN7Ev03ng1cYINU_bVFpAxfRn0BjVoDia42_Q",
        "licensed_states": [
          "CA",
          "IA",
          "IN",
          "KS",
          "KY",
          "MO",
          "ND",
          "NH",
          "SD",
          "TN",
          "TX",
          "WI"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-08-20",
          "state": "WI"
        },
        "licensed_since": {
          "year": 2021,
          "state": "WI"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/dinh-pham-2052517",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 20, 2021 (Wisconsin), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/dinh-pham-2052517",
      "license_check": {
        "state": "KY",
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        "verified_at": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/isaac-bui-2542805"
      }
    }
  ]
}