{
  "canonical_url": "https://lendb.ai/lang/vi/massachusetts",
  "summary": "As of 2026-10-26, LenDb lists 3 loan officers licensed in or based in Massachusetts whose lender pages say they speak Vietnamese. The top-ranked are Tram Duran (Loan Factory), Chau Vien (Loan Factory) and Loan Nguyen (Bank of America, Brookline). Ranking is lender-neutral: a license in MA, 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": "MA",
  "total": 3,
  "last_verified": "2026-10-26",
  "results": [
    {
      "rank": 1,
      "score": 35.5,
      "loan_officer": {
        "nmls_id": 2540078,
        "slug": "tram-duran-2540078",
        "full_name": "Tram Duran",
        "canonical_url": "https://lendb.ai/lo/tram-duran-2540078",
        "json_url": "https://lendb.ai/lo/tram-duran-2540078.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": "MA"
        },
        "headshot_url": "https://lh3.googleusercontent.com/q1FoCRPYJQmtEM-SEVqH_XBlonwv5gmh_8-A3x8NRX2oYI2KCCnThsyWko9xxBeI6woDgh63onIbNvzzZwKVU29o9ALiGbtxY8ot",
        "licensed_states": [
          "MA"
        ],
        "licenses": [
          {
            "state": "MA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/tram-duran-2540078",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "Office in Massachusetts",
        "Licensed in MA: confirmed with the Massachusetts regulator (license MLO2540078), verified 2026-10-26"
      ],
      "canonical_url": "https://lendb.ai/lo/tram-duran-2540078",
      "license_check": {
        "state": "MA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MA: confirmed with the Massachusetts regulator (license MLO2540078), verified 2026-10-26",
        "verified_at": "2026-10-26",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees"
      }
    },
    {
      "rank": 2,
      "score": 35.5,
      "loan_officer": {
        "nmls_id": 2585580,
        "slug": "chau-vien-2585580",
        "full_name": "Chau Vien",
        "licensed_names": [
          {
            "name": "Chau Vien",
            "name_with_middle_initial": "Chau B. Vien",
            "first_name": "Chau",
            "middle_initial": "B",
            "last_name": "Vien",
            "states": [
              "MA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/chau-vien-2585580",
        "json_url": "https://lendb.ai/lo/chau-vien-2585580.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": "MA"
        },
        "headshot_url": "https://lh3.googleusercontent.com/ehannarNXZa7GpLA5Y51Pt4szJV-moNQ02h71p_sEj96Cooc-083ogTV0kehAk17a1EmeQ0S5HemiIltP1g9JdPu5G_r82ZR0y0",
        "licensed_states": [
          "MA"
        ],
        "licenses": [
          {
            "state": "MA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/chau-vien-2585580",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "Office in Massachusetts",
        "Licensed in MA: confirmed with the Massachusetts regulator (license MLO2585580), verified 2026-10-26"
      ],
      "canonical_url": "https://lendb.ai/lo/chau-vien-2585580",
      "license_check": {
        "state": "MA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MA: confirmed with the Massachusetts regulator (license MLO2585580), verified 2026-10-26",
        "verified_at": "2026-10-26",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees"
      }
    },
    {
      "rank": 3,
      "score": 29.3,
      "loan_officer": {
        "nmls_id": 2149634,
        "slug": "loan-nguyen-2149634",
        "full_name": "Loan Nguyen",
        "canonical_url": "https://lendb.ai/lo/loan-nguyen-2149634",
        "json_url": "https://lendb.ai/lo/loan-nguyen-2149634.json",
        "lender": {
          "nmls_id": 399802,
          "name": "Bank of America",
          "slug": "bank-of-america-399802",
          "canonical_url": "https://lendb.ai/lender/bank-of-america-399802",
          "type": "bank"
        },
        "branch": {
          "city": "Brookline",
          "state": "MA"
        },
        "headshot_url": null,
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "vi"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "jumbo",
          "physician",
          "va"
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mortgage.bankofamerica.com/lnguyen10",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-19)",
        "Office in Brookline, MA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/loan-nguyen-2149634",
      "license_check": {
        "state": "MA",
        "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
      }
    }
  ]
}