{
  "canonical_url": "https://lendb.ai/lang/vi/north-carolina",
  "summary": "As of 2026-10-09, LenDb lists 16 loan officers licensed in or based in North Carolina whose lender pages say they speak Vietnamese. The top-ranked are Ann Vu (Loan Factory), Lisa Le (Loan Factory, Westminster) and Thin Nguyen (Loan Factory, Charlotte). Ranking is lender-neutral: a license in NC, 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": "NC",
  "total": 16,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 33,
      "loan_officer": {
        "nmls_id": 2839756,
        "slug": "ann-vu-2839756",
        "full_name": "Ann Vu",
        "canonical_url": "https://lendb.ai/lo/ann-vu-2839756",
        "json_url": "https://lendb.ai/lo/ann-vu-2839756.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": "NC"
        },
        "headshot_url": "https://lh3.googleusercontent.com/1ZLXfljckVnq1RdND86nw3_EqE_YtsT-gcKDfwXSS92MlFXobpbA3jBJUJFHlQykwzI5qIRGpUZHo9netFJ34uW_M_qKnn09fX33",
        "licensed_states": [
          "NC"
        ],
        "licenses": [
          {
            "state": "NC",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/ann-vu-2839756",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "Office in North Carolina",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/ann-vu-2839756",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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/ann-vu-2839756"
      }
    },
    {
      "rank": 2,
      "score": 32.5,
      "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)",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "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": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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/lisa-le-697234"
      }
    },
    {
      "rank": 3,
      "score": 32.5,
      "loan_officer": {
        "nmls_id": 2788036,
        "slug": "thin-nguyen-2788036",
        "full_name": "Thin Nguyen",
        "canonical_url": "https://lendb.ai/lo/thin-nguyen-2788036",
        "json_url": "https://lendb.ai/lo/thin-nguyen-2788036.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": "Charlotte",
          "state": "NC"
        },
        "headshot_url": "https://lh3.googleusercontent.com/5Mh7kMMmECQvVpBEiNpvfg1Q7tG1s0QexUnN-OYDzF0inFkPKmsbjFlblvq5c31yWv8lmGAaS3rCov7UT1B5SHAbmHrrdx3vwGX0",
        "licensed_states": [
          "NC",
          "SC"
        ],
        "licenses": [
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          }
        ],
        "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/thin-nguyen-2788036",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "Office in Charlotte, NC",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/thin-nguyen-2788036",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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/thin-nguyen-2788036"
      }
    },
    {
      "rank": 4,
      "score": 32,
      "loan_officer": {
        "nmls_id": 394918,
        "slug": "nga-le-394918",
        "full_name": "Nga \"Lena\" Le",
        "licensed_names": [
          {
            "name": "Nga Le",
            "name_with_middle_initial": "Nga T. Le",
            "first_name": "Nga",
            "middle_initial": "T",
            "last_name": "Le",
            "states": [
              "AR",
              "FL",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-20"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/nga-le-394918",
        "json_url": "https://lendb.ai/lo/nga-le-394918.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": "Orlando",
          "state": "FL"
        },
        "headshot_url": "https://lh3.googleusercontent.com/MqrpXvQUUrrHMinAAjbv4wsFSxxJOMYrc1W3u555ZDmAZMetU70ZSak934JaGjd12W1mV82nmVrtYmyA0T5m5700E3JzSdrsg0Vs",
        "licensed_states": [
          "FL",
          "AR",
          "CO",
          "ID",
          "IL",
          "MI",
          "MS",
          "NC",
          "SC",
          "TX",
          "VA",
          "WI"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2012-03-02",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2012,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/nga-lena-le-394918",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 2, 2012 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/nga-le-394918",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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/nga-lena-le-394918"
      }
    },
    {
      "rank": 5,
      "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)",
        "NC 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": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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": 6,
      "score": 31.8,
      "loan_officer": {
        "nmls_id": 2485770,
        "slug": "thieu-nguyen-2485770",
        "full_name": "Thieu Nguyen",
        "canonical_url": "https://lendb.ai/lo/thieu-nguyen-2485770",
        "json_url": "https://lendb.ai/lo/thieu-nguyen-2485770.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": "NC"
        },
        "headshot_url": "https://lh3.googleusercontent.com/JsFnp_-UG2SDAzdUomhFV8wsTLO73z5oXbEYycX4dnAtwnylLBcRHuRapxBxWIniHsB_rnJpCuYPYxo4EuviX2w6VPpTpTOpnjY9",
        "licensed_states": [
          "NC"
        ],
        "licenses": [
          {
            "state": "NC",
            "confidence": "lender_reported"
          }
        ],
        "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/thieu-nguyen-2485770",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "Office in North Carolina",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/thieu-nguyen-2485770",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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/thieu-nguyen-2485770"
      }
    },
    {
      "rank": 7,
      "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)",
        "NC 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": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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": 8,
      "score": 24.3,
      "loan_officer": {
        "nmls_id": 2002741,
        "slug": "trang-m-hoang-2002741",
        "full_name": "Trang M. Hoang",
        "canonical_url": "https://lendb.ai/lo/trang-m-hoang-2002741",
        "json_url": "https://lendb.ai/lo/trang-m-hoang-2002741.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/ZGr4a5VYCGNeLaLoO0lpjZkKzgTtIWITHrTcXjg84E3E_IPgXosY_SUN0X85Z0lbx9xtLfGnPkSBPm6FnQ4zUvxY699a-6Eh1BF3",
        "licensed_states": [
          "PA",
          "AZ",
          "GA",
          "MI",
          "MO",
          "NC",
          "NM",
          "NV",
          "OK",
          "OR",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "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": "2020-10-23",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2020,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/trang-m-hoang-2002741",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: October 23, 2020 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/trang-m-hoang-2002741",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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/trang-m-hoang-2002741"
      }
    },
    {
      "rank": 9,
      "score": 24,
      "loan_officer": {
        "nmls_id": 2502864,
        "slug": "phung-pham-2502864",
        "full_name": "Phung Pham",
        "licensed_names": [
          {
            "name": "Phung Pham",
            "name_with_middle_initial": "Phung D. Pham",
            "first_name": "Phung",
            "middle_initial": "D",
            "last_name": "Pham",
            "states": [
              "FL",
              "IA",
              "LA",
              "PA",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-19"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/phung-pham-2502864",
        "json_url": "https://lendb.ai/lo/phung-pham-2502864.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/hMyhHOXqr-U3g0cWvUY_fEFawWq2g7CFoj0Cs3VKITeEgeLWz8qarkNWn8Cgx-qev7_3rjHX9FEawKIKMAGQRAmm-rU3BeTdylg6",
        "licensed_states": [
          "FL",
          "PA",
          "GA",
          "LA",
          "NC",
          "OH",
          "OK",
          "TN",
          "TX"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-08-11",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2023,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/phung-pham-2502864",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 11, 2023 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/phung-pham-2502864",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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/phung-pham-2502864"
      }
    },
    {
      "rank": 10,
      "score": 23.8,
      "loan_officer": {
        "nmls_id": 2054388,
        "slug": "john-thuan-nguyen-2054388",
        "full_name": "John Thuan Nguyen",
        "canonical_url": "https://lendb.ai/lo/john-thuan-nguyen-2054388",
        "json_url": "https://lendb.ai/lo/john-thuan-nguyen-2054388.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/T0SBYaaSuruW76dgkrSfLTGgjIa30zFik92Nfdl-UNIV0e3bVSxPhEEBL14p5CFJphFbJlOneZxBTNkE8hF7uuTaugslzxOawDj6",
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "DC",
          "DE",
          "GA",
          "HI",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "NC",
          "ND",
          "NH",
          "NJ",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "PA",
          "SD",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA",
          "WV"
        ],
        "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": "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": "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": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-02-19",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2021,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/john-thuan-nguyen-2054388",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 19, 2021 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/john-thuan-nguyen-2054388",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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/john-thuan-nguyen-2054388"
      }
    },
    {
      "rank": 11,
      "score": 23.3,
      "loan_officer": {
        "nmls_id": 2395617,
        "slug": "tu-nguyen-2395617",
        "full_name": "Teena Nguyen",
        "canonical_url": "https://lendb.ai/lo/tu-nguyen-2395617",
        "json_url": "https://lendb.ai/lo/tu-nguyen-2395617.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/ZWrViLSTLmnYifUb00qemEVuW58lILlKRCMvd3_SjMQnmuVtrVgLb6w0ThRzwn4PDUCDWShlKAUq83HLet7CBCOrtipuJFnldBbi",
        "licensed_states": [
          "FL",
          "NC",
          "NJ",
          "SC",
          "WA",
          "WI"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-09-02",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/teena-nguyen-2395617",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 2, 2022 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/tu-nguyen-2395617",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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/teena-nguyen-2395617"
      }
    },
    {
      "rank": 12,
      "score": 22.3,
      "loan_officer": {
        "nmls_id": 2213304,
        "slug": "ivy-le-2213304",
        "full_name": "Ivy Le",
        "canonical_url": "https://lendb.ai/lo/ivy-le-2213304",
        "json_url": "https://lendb.ai/lo/ivy-le-2213304.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/oEoUbRMPcDcR398uboINrRmbiEIlh5FKlQPVL7orlL6EQ0vdq1NnhNtBBCaIlm227xAtj-o8jZANuUmFkI6ZSaJSmXkDTJTD_Xo_",
        "licensed_states": [
          "FL",
          "GA",
          "MN",
          "NC",
          "OK",
          "PA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-02-01",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2024,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/ivy-le-2213304",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 1, 2024 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/ivy-le-2213304",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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/ivy-le-2213304"
      }
    },
    {
      "rank": 13,
      "score": 21.8,
      "loan_officer": {
        "nmls_id": 2678135,
        "slug": "tommy-truong-2678135",
        "full_name": "Tommy Truong",
        "canonical_url": "https://lendb.ai/lo/tommy-truong-2678135",
        "json_url": "https://lendb.ai/lo/tommy-truong-2678135.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/p-wXFK1PkHyPW9Cm32Q_zUOc-XR9Sbs1L9ZavQ71RZLb49Hvfcyx6cSboWS4_Rp8S1ew9O61hKXShyaTBxQyDBiAtFEQyDPUJPGcpA",
        "licensed_states": [
          "GA",
          "NC",
          "TX"
        ],
        "licenses": [
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "vi"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-09-11",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2025,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/tommy-truong-2678135",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 11, 2025 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/tommy-truong-2678135",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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/tommy-truong-2678135"
      }
    },
    {
      "rank": 14,
      "score": 21.8,
      "loan_officer": {
        "nmls_id": 2700152,
        "slug": "minh-ngoc-thai-2700152",
        "full_name": "Minh Ngoc Thai",
        "licensed_names": [
          {
            "name": "Minh-Ngoc Thai",
            "name_with_middle_initial": "Minh-Ngoc H. Thai",
            "first_name": "Minh-Ngoc",
            "middle_initial": "H",
            "last_name": "Thai",
            "states": [
              "CA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-15"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/minh-ngoc-thai-2700152",
        "json_url": "https://lendb.ai/lo/minh-ngoc-thai-2700152.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/h8or-ZEnNndj2ETpBVd6tGXwAV3DvzCcu_1bHW2EyBKOvq28g4iS0PEHnR7rOMrUw5cTPc_HJHug9cnFFa-2s9d3vR1egtqBdg4R",
        "licensed_states": [
          "CA",
          "GA",
          "NC"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-07-28",
          "state": "WI"
        },
        "licensed_since": {
          "year": 2025,
          "state": "WI"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/minh-ngoc-thai-2700152",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 28, 2025 (Wisconsin), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/minh-ngoc-thai-2700152",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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/minh-ngoc-thai-2700152"
      }
    },
    {
      "rank": 15,
      "score": 21.3,
      "loan_officer": {
        "nmls_id": 2601766,
        "slug": "dong-ngoc-phuong-nguyen-2601766",
        "full_name": "Dong Ngoc Phuong Nguyen",
        "canonical_url": "https://lendb.ai/lo/dong-ngoc-phuong-nguyen-2601766",
        "json_url": "https://lendb.ai/lo/dong-ngoc-phuong-nguyen-2601766.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/oKOStUHHtc7D3ztgCL0L65-c6M2mbmuKuGGjHo4tows5koQxfbuUNpgGBlJlyfZEis9tiPiafq-flLHF6IormQ1X6FSVxwXK2Y8chg",
        "licensed_states": [
          "AL",
          "AR",
          "GA",
          "LA",
          "MA",
          "NC",
          "OH",
          "PA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          }
        ],
        "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/dong-ngoc-phuong-nguyen-2601766",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/dong-ngoc-phuong-nguyen-2601766",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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/dong-ngoc-phuong-nguyen-2601766"
      }
    },
    {
      "rank": 16,
      "score": 21.3,
      "loan_officer": {
        "nmls_id": 2626960,
        "slug": "huy-hoang-2626960",
        "full_name": "Huy Hoang",
        "canonical_url": "https://lendb.ai/lo/huy-hoang-2626960",
        "json_url": "https://lendb.ai/lo/huy-hoang-2626960.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/RKwJUP__SSsVyqtSWrNPDpS6XSazRPMyJ0-GT-fW-jFDsqbHK4HBt5m2y6dYZhRZGEyjBAHXCWwl-0ujcMkVGXOK3UvrGL0V0xPh",
        "licensed_states": [
          "NC",
          "SC"
        ],
        "licenses": [
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          }
        ],
        "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/huy-hoang-2626960",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Vietnamese (lender page, verified 2026-10-09)",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/huy-hoang-2626960",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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/huy-hoang-2626960"
      }
    }
  ]
}