---
canonical_url: https://lendb.ai/lang/zh/arizona
last_verified: 2026-10-15
---

# Chinese-speaking loan officers in Arizona

As of 2026-10-15, LenDb lists 8 loan officers licensed in or based in Arizona whose lender pages say they speak Chinese. The top-ranked are Joyce Y Lee (Loan Factory), Josue Arevalo (Loan Factory) and Joanne Moc (Loan Factory, Westminster). Ranking is lender-neutral: a license in AZ, 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.

## Ranked, with reasons

1. **[Joyce Y Lee](https://lendb.ai/lo/joyce-lee-1373760)** (NMLS 1373760), Loan Factory
   - Speaks Chinese (lender page, verified 2026-10-09)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: August 11, 2023 (Florida), per state regulator
   - States 10 years of experience (lender page, 2026-10-09)
2. **[Josue Arevalo](https://lendb.ai/lo/josue-arevalo-2579089)** (NMLS 2579089), Loan Factory
   - Speaks Chinese (lender page, verified 2026-10-09)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 6 years of experience (lender page, 2026-10-09)
3. **[Joanne Moc](https://lendb.ai/lo/joanne-moc-2013590)** (NMLS 2013590), Loan Factory, Westminster, CA
   - Speaks Chinese (lender page, verified 2026-10-09)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: February 9, 2021 (Wisconsin), per state regulator
4. **[Lijun Hague](https://lendb.ai/lo/lijun-hague-2267181)** (NMLS 2267181), Zero Point Mortgage Services
   - Speaks Chinese (lender page, verified 2026-10-15)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: July 15, 2022 (Colorado), per state regulator
5. **[Kwok Choy](https://lendb.ai/lo/kwok-choy-760271)** (NMLS 760271), Loan Factory
   - Speaks Chinese (lender page, verified 2026-10-09)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: October 9, 2022 (Illinois), per state regulator
6. **[James Chen](https://lendb.ai/lo/jen-chi-chen-17991)** (NMLS 17991), Cliffco, Inc., Uniondale, NY
   - Speaks Chinese (lender page, verified 2026-10-15)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: January 12, 2024 (Florida), per state regulator
7. **[Howard Yang](https://lendb.ai/lo/howard-yang-2013833)** (NMLS 2013833), Loan Factory
   - Speaks Chinese (lender page, verified 2026-10-09)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: November 10, 2021 (California), per state regulator
8. **[Ming Wang](https://lendb.ai/lo/ming-wang-2395248)** (NMLS 2395248), Loan Factory
   - Speaks Chinese (lender page, verified 2026-10-09)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: November 1, 2022 (Texas), per state regulator

Cite as: LenDb.ai, https://lendb.ai/lang/zh/arizona.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._