{ "canonical_url": "https://lendb.ai/lang/zh/california", "summary": "As of 2026-10-26, LenDb lists 105 loan officers licensed in or based in California whose lender pages say they speak Chinese. The top-ranked are Colin Chu (Loan Factory), Grace Inouye (JPMorgan Chase Bank (Chase Home Lending), Lafayette) and Jennifer Zeng (JPMorgan Chase Bank (Chase Home Lending), Sunnyvale). Ranking is lender-neutral: a license in CA, branch location, experience and profile completeness. Nobody pays for placement. Languages come only from loan officers' own lender pages, and most lender pages do not list languages. A loan officer missing from this list may still speak it: not listed means not stated, not that they do not speak it.", "language": "zh", "state": "CA", "total": 105, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 43.3, "loan_officer": { "nmls_id": 2767054, "slug": "colin-chu-2767054", "full_name": "Colin Chu", "licensed_names": [ { "name": "Colin Chu", "name_with_middle_initial": "Colin G. Chu", "first_name": "Colin", "middle_initial": "G", "last_name": "Chu", "states": [ "CA" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/colin-chu-2767054", "json_url": "https://lendb.ai/lo/colin-chu-2767054.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "slug": "loan-factory-320841", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": "CA" }, "headshot_url": "https://lh3.googleusercontent.com/sOygmeUay-WFfh9lx5_DM-t9L5GkabM-ACSdhDHatMuENjlscoXObD1u_IStB1EzcpLee-TBGs7gKsj8iweusWAxQmco9QaJt8TiGg", "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "zh" ], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2026-04-24", "state": "CA" }, "licensed_since": { "year": 2026, "state": "CA" }, "years_experience": 16, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/colin-chu-2767054", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-09)", "Office in California", "Licensed in CA: confirmed with the California Department of Real Estate (license 02180675), verified 2026-10-24", "Earliest state license record: April 24, 2026 (California), per state regulator", "States 16 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/colin-chu-2767054", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Real Estate (license 02180675), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html" } }, { "rank": 2, "score": 41, "loan_officer": { "nmls_id": 234798, "slug": "grace-inouye-234798", "full_name": "Grace Inouye", "canonical_url": "https://lendb.ai/lo/grace-inouye-234798", "json_url": "https://lendb.ai/lo/grace-inouye-234798.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "slug": "chase-399798", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Lafayette", "state": "CA" }, "headshot_url": "http://a.mktgcdn.com/p/hftySxD6vlNx1LNeJObIzLHyEdLJhOpjtpXVBp0T6oM/801x1200.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/lafayette/3603-mt-diablo-blvd-hla-234798", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in Lafayette, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/grace-inouye-234798", "license_check": { "state": "CA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-19", "source_url": null } }, { "rank": 3, "score": 41, "loan_officer": { "nmls_id": 291305, "slug": "jennifer-zeng-291305", "full_name": "Jennifer Zeng", "canonical_url": "https://lendb.ai/lo/jennifer-zeng-291305", "json_url": "https://lendb.ai/lo/jennifer-zeng-291305.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "slug": "chase-399798", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Sunnyvale", "state": "CA" }, "headshot_url": "http://a.mktgcdn.com/p/_dxro5Z_duz5qsdGbirp--DYRpYxIiqIjwfN_GuhHFM/723x1083.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [ { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 24, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/sunnyvale/1234-w-el-camino-real-hla-291305", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in Sunnyvale, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 24 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jennifer-zeng-291305", "license_check": { "state": "CA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-19", "source_url": null } }, { "rank": 4, "score": 41, "loan_officer": { "nmls_id": 448559, "slug": "ronald-chiu-448559", "full_name": "Ronald Chiu", "canonical_url": "https://lendb.ai/lo/ronald-chiu-448559", "json_url": "https://lendb.ai/lo/ronald-chiu-448559.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "slug": "chase-399798", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "San Francisco", "state": "CA" }, "headshot_url": "http://a.mktgcdn.com/p/oZgj49Ltpt1lwvVFRQSt_sA9IcZAvOO4WjvXd7YFkSM/800x1200.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/san-francisco/3533-california-st-hla-448559", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in San Francisco, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/ronald-chiu-448559", "license_check": { "state": "CA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-19", "source_url": null } }, { "rank": 5, "score": 41, "loan_officer": { "nmls_id": 502350, "slug": "steven-diec-502350", "full_name": "Steven Diec", "licensed_names": [ { "name": "Steven Diec", "name_with_middle_initial": "Steven C. Diec", "first_name": "Steven", "middle_initial": "C", "last_name": "Diec", "states": [ "CA" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/steven-diec-502350", "json_url": "https://lendb.ai/lo/steven-diec-502350.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "slug": "chase-399798", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Santa Clara", "state": "CA" }, "headshot_url": "http://a.mktgcdn.com/p/j5CKWDozkNp194LUG6m3cvWBxQnRwk8xartVVpQ8MCo/731x1095.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "fr", "vi", "zh" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2024-02-27", "state": "CA" }, "licensed_since": { "year": 2024, "state": "CA" }, "years_experience": 25, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/santa-clara/3057-stevens-creek-blvd-hla-502350", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in Santa Clara, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Earliest state license record: February 27, 2024 (California), per state regulator", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/steven-diec-502350", "license_check": { "state": "CA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-19", "source_url": null } }, { "rank": 6, "score": 41, "loan_officer": { "nmls_id": 670052, "slug": "sandra-grant-670052", "full_name": "Sandra Grant", "canonical_url": "https://lendb.ai/lo/sandra-grant-670052", "json_url": "https://lendb.ai/lo/sandra-grant-670052.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "slug": "chase-399798", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Aliso Viejo", "state": "CA" }, "headshot_url": "http://a.mktgcdn.com/p/v19nkCMRh2sio9Qy2OcLMPXiWOXfIvW6MXnsohUUP30/600x900.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [ { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 33, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/aliso-viejo/26821-aliso-creek-rd-hla-670052", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in Aliso Viejo, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 33 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/sandra-grant-670052", "license_check": { "state": "CA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-19", "source_url": null } }, { "rank": 7, "score": 40.8, "loan_officer": { "nmls_id": 1234766, "slug": "marcus-wong-1234766", "full_name": "Marcus Wong", "canonical_url": "https://lendb.ai/lo/marcus-wong-1234766", "json_url": "https://lendb.ai/lo/marcus-wong-1234766.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "slug": "loan-factory-320841", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": "CA" }, "headshot_url": "https://lh3.googleusercontent.com/K3QaYxABa1fpKS3i8Bd3pqxJykWnc3JxUHmZ0TBubzt7ZW7n6Xw0eTYSw8jbUC5UrieWqdkOyiPJ2dbpDStxnhqWf20G3E0F62o", "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es", "zh" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2014-11-19", "state": "FL" }, "licensed_since": { "year": 2014, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/marcus-wong-1234766", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-09)", "Office in California", "Licensed in CA: confirmed with the California Department of Real Estate (license 02096466), verified 2026-10-24", "Earliest state license record: November 19, 2014 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/marcus-wong-1234766", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Real Estate (license 02096466), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html" } }, { "rank": 8, "score": 40.5, "loan_officer": { "nmls_id": 2329872, "slug": "pan-wang-2329872", "full_name": "Pan Wang", "canonical_url": "https://lendb.ai/lo/pan-wang-2329872", "json_url": "https://lendb.ai/lo/pan-wang-2329872.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "slug": "loan-factory-320841", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": "CA" }, "headshot_url": "https://lh3.googleusercontent.com/k0VKSMMFiEirZYN3VBAcm4wfnu66vjeDpW8o-Cy8URfCH7Wiu_ShtqE-ewEt1TFzO9F___NBj2PpIY8WtfMOv9RmDdQygGDoCP8JOA", "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "zh" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2022-09-12", "state": "CA" }, "licensed_since": { "year": 2022, "state": "CA" }, "years_experience": 10, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/pan-wang-2329872", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-09)", "Office in California", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI2329872), verified 2026-10-24", "Earliest state license record: September 12, 2022 (California), per state regulator", "States 10 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/pan-wang-2329872", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DFPI2329872), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" } }, { "rank": 9, "score": 40.3, "loan_officer": { "nmls_id": 274271, "slug": "amy-lee-274271", "full_name": "Amy Lee", "canonical_url": "https://lendb.ai/lo/amy-lee-274271", "json_url": "https://lendb.ai/lo/amy-lee-274271.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "slug": "chase-399798", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Studio City", "state": "CA" }, "headshot_url": "http://a.mktgcdn.com/p/DPK-Mzje7BLk3vAL4LoVrVZFM_ZsSh4wT947lGs_gwM/834x1250.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/studio-city/12051-ventura-blvd-hla-274271", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-26)", "Office in Studio City, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/amy-lee-274271", "license_check": { "state": "CA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-26", "source_url": null } }, { "rank": 10, "score": 40.3, "loan_officer": { "nmls_id": 453548, "slug": "vivien-li-453548", "full_name": "Vivien Li", "canonical_url": "https://lendb.ai/lo/vivien-li-453548", "json_url": "https://lendb.ai/lo/vivien-li-453548.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "slug": "chase-399798", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "San Francisco", "state": "CA" }, "headshot_url": "http://a.mktgcdn.com/p/fyGQx1OUmlbATBN5NoobIU0D5ojCPvfXIPT1Qd-K96U/731x1095.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 21, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/san-francisco/5655-geary-blvd-hla-453548", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in San Francisco, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 21 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/vivien-li-453548", "license_check": { "state": "CA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-19", "source_url": null } }, { "rank": 11, "score": 40, "loan_officer": { "nmls_id": 633485, "slug": "serena-zou-633485", "full_name": "Serena Zou", "canonical_url": "https://lendb.ai/lo/serena-zou-633485", "json_url": "https://lendb.ai/lo/serena-zou-633485.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "slug": "chase-399798", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Cupertino", "state": "CA" }, "headshot_url": "http://a.mktgcdn.com/p/n4YSTFtz3WxWyL7V2jxalHqTCXxvKXFrKbOGRbV42b4/723x1083.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 18, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/cupertino/10250-s-de-anza-blvd-hla-633485", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-26)", "Office in Cupertino, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 18 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/serena-zou-633485", "license_check": { "state": "CA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-26", "source_url": null } }, { "rank": 12, "score": 40, "loan_officer": { "nmls_id": 633695, "slug": "derek-kam-633695", "full_name": "Derek Kam", "canonical_url": "https://lendb.ai/lo/derek-kam-633695", "json_url": "https://lendb.ai/lo/derek-kam-633695.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": "Pleasanton", "state": "CA" }, "headshot_url": "https://images.em.bankofamerica.com/AMP/4E8AC2E8-6ACD-4B6C-BAE2-11F508FB0EC5.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "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": 29, "lender_profile_url": "https://mortgage.bankofamerica.com/derekkam", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in Pleasanton, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 29 years of experience (lender page, 2026-10-19)" ], "canonical_url": "https://lendb.ai/lo/derek-kam-633695", "license_check": { "state": "CA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-19", "source_url": null } }, { "rank": 13, "score": 40, "loan_officer": { "nmls_id": 1762387, "slug": "cindy-guo-1762387", "full_name": "Cindy Guo", "canonical_url": "https://lendb.ai/lo/cindy-guo-1762387", "json_url": "https://lendb.ai/lo/cindy-guo-1762387.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": "San Jose", "state": "CA" }, "headshot_url": "https://images.em.bankofamerica.com/AMP/0A975F5A-7A09-46C1-BBE5-D40A606EA11C.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "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": 24, "lender_profile_url": "https://mortgage.bankofamerica.com/cindy-guo", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in San Jose, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 24 years of experience (lender page, 2026-10-19)" ], "canonical_url": "https://lendb.ai/lo/cindy-guo-1762387", "license_check": { "state": "CA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-19", "source_url": null } }, { "rank": 14, "score": 39.5, "loan_officer": { "nmls_id": 695329, "slug": "jonathan-chu-695329", "full_name": "Jonathan Chu", "canonical_url": "https://lendb.ai/lo/jonathan-chu-695329", "json_url": "https://lendb.ai/lo/jonathan-chu-695329.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "slug": "chase-399798", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Arcadia", "state": "CA" }, "headshot_url": "http://a.mktgcdn.com/p/DOj0DPdr6PLu_WoqY042Cj8hvziinp4C7NvFACkECqA/834x1250.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 17, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/arcadia/60-e-huntington-dr-hla-695329", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in Arcadia, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 17 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jonathan-chu-695329", "license_check": { "state": "CA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-19", "source_url": null } }, { "rank": 15, "score": 38.5, "loan_officer": { "nmls_id": 633580, "slug": "linda-wong-633580", "full_name": "Linda Wong", "canonical_url": "https://lendb.ai/lo/linda-wong-633580", "json_url": "https://lendb.ai/lo/linda-wong-633580.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": "Fremont", "state": "CA" }, "headshot_url": "https://images.em.bankofamerica.com/AMP/D9EF1635-A409-4F3D-86EC-C6F6ECFE4A25.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "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": 17, "lender_profile_url": "https://mortgage.bankofamerica.com/lwong2", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in Fremont, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 17 years of experience (lender page, 2026-10-19)" ], "canonical_url": "https://lendb.ai/lo/linda-wong-633580", "license_check": { "state": "CA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-19", "source_url": null } }, { "rank": 16, "score": 38, "loan_officer": { "nmls_id": 491898, "slug": "jullian-liu-491898", "full_name": "Jullian Liu", "canonical_url": "https://lendb.ai/lo/jullian-liu-491898", "json_url": "https://lendb.ai/lo/jullian-liu-491898.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "slug": "chase-399798", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Los Angeles", "state": "CA" }, "headshot_url": "http://a.mktgcdn.com/p/Fxpo1VFRRKop00RHg2HZmtAefRyPDHnJ_bJSlL1yN8s/606x908.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 14, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/los-angeles/400-s-hope-st-hla-491898", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in Los Angeles, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 14 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jullian-liu-491898", "license_check": { "state": "CA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-19", "source_url": null } }, { "rank": 17, "score": 38, "loan_officer": { "nmls_id": 714948, "slug": "steve-chen-714948", "full_name": "Steve Chen", "canonical_url": "https://lendb.ai/lo/steve-chen-714948", "json_url": "https://lendb.ai/lo/steve-chen-714948.json", "lender": { "nmls_id": 399801, "name": "Wells Fargo Home Mortgage", "slug": "wells-fargo-399801", "canonical_url": "https://lendb.ai/lender/wells-fargo-399801", "type": "bank" }, "branch": { "city": "Sunnyvale", "state": "CA" }, "headshot_url": "https://dynl.mktgcdn.com/p/zIc85_iR1D5AtyEQvRA91F_fkSG6IcDidQausBelRmo/600x450.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "jumbo", "va" ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 15, "lender_profile_url": "https://homeloans.wellsfargo.com/mortgage/ca/sunnyvale/steve-t-chen", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in Sunnyvale, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 15 years of experience (lender page, 2026-10-19)" ], "canonical_url": "https://lendb.ai/lo/steve-chen-714948", "license_check": { "state": "CA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-19", "source_url": null } }, { "rank": 18, "score": 38, "loan_officer": { "nmls_id": 1067706, "slug": "peter-yeung-1067706", "full_name": "Peter Yeung", "canonical_url": "https://lendb.ai/lo/peter-yeung-1067706", "json_url": "https://lendb.ai/lo/peter-yeung-1067706.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "slug": "chase-399798", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "San Mateo", "state": "CA" }, "headshot_url": "http://a.mktgcdn.com/p/kPbYKvXpt9M9Jr-KLupa67RB_Zrh4wj0aCnEXBkga_Y/723x1083.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 14, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/san-mateo/78-e-4th-ave-hla-1067706", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-26)", "Office in San Mateo, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 14 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/peter-yeung-1067706", "license_check": { "state": "CA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-26", "source_url": null } }, { "rank": 19, "score": 36.8, "loan_officer": { "nmls_id": 1942974, "slug": "vanessa-li-1942974", "full_name": "Vanessa Li", "canonical_url": "https://lendb.ai/lo/vanessa-li-1942974", "json_url": "https://lendb.ai/lo/vanessa-li-1942974.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "slug": "loan-factory-320841", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": "CA" }, "headshot_url": "https://lh3.googleusercontent.com/0Re6z9GNbjZXARJUBO4ilheTIPBODico0qmtpSY3WNIGH7x6VqEVgcDAcQsqBRXp2agfHrFFISfbmgDAjCFgpFLvtO67LWtfvgfjJw", "licensed_states": [ "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "zh" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2022-08-16", "state": "CA" }, "licensed_since": { "year": 2022, "state": "CA" }, "years_experience": null, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/vanessa-li-1942974", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-09)", "Office in California", "Licensed in CA: confirmed with the California Department of Real Estate (license 02203854), verified 2026-10-24", "Earliest state license record: August 16, 2022 (California), per state regulator" ], "canonical_url": "https://lendb.ai/lo/vanessa-li-1942974", "license_check": { "state": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Real Estate (license 02203854), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html" } }, { "rank": 20, "score": 36.5, "loan_officer": { "nmls_id": 877497, "slug": "lana-xu-877497", "full_name": "Lana Xu", "canonical_url": "https://lendb.ai/lo/lana-xu-877497", "json_url": "https://lendb.ai/lo/lana-xu-877497.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "slug": "chase-399798", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Arcadia", "state": "CA" }, "headshot_url": "http://a.mktgcdn.com/p/UaLFzA9vSA2LPGuhvzBi8UvWcZ3CCLiB_3uAv9z_a9w/834x1250.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 11, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/arcadia/700-w-huntington-dr-hla-877497", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in Arcadia, CA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 11 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/lana-xu-877497", "license_check": { "state": "CA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). 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