--- canonical_url: https://lendb.ai/lang/zh/california last_verified: 2026-10-26 --- # Chinese-speaking loan officers in California 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. ## Ranked, with reasons 1. **[Colin Chu](https://lendb.ai/lo/colin-chu-2767054)** (NMLS 2767054), Loan Factory, CA - 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) 2. **[Grace Inouye](https://lendb.ai/lo/grace-inouye-234798)** (NMLS 234798), JPMorgan Chase Bank (Chase Home Lending), Lafayette, CA - 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) 3. **[Jennifer Zeng](https://lendb.ai/lo/jennifer-zeng-291305)** (NMLS 291305), JPMorgan Chase Bank (Chase Home Lending), Sunnyvale, CA - 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) 4. **[Ronald Chiu](https://lendb.ai/lo/ronald-chiu-448559)** (NMLS 448559), JPMorgan Chase Bank (Chase Home Lending), San Francisco, CA - 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) 5. **[Steven Diec](https://lendb.ai/lo/steven-diec-502350)** (NMLS 502350), JPMorgan Chase Bank (Chase Home Lending), Santa Clara, CA - 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) 6. **[Sandra Grant](https://lendb.ai/lo/sandra-grant-670052)** (NMLS 670052), JPMorgan Chase Bank (Chase Home Lending), Aliso Viejo, CA - 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) 7. **[Marcus Wong](https://lendb.ai/lo/marcus-wong-1234766)** (NMLS 1234766), Loan Factory, CA - 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 8. **[Pan Wang](https://lendb.ai/lo/pan-wang-2329872)** (NMLS 2329872), Loan Factory, CA - 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) 9. **[Amy Lee](https://lendb.ai/lo/amy-lee-274271)** (NMLS 274271), JPMorgan Chase Bank (Chase Home Lending), Studio City, CA - 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) 10. **[Vivien Li](https://lendb.ai/lo/vivien-li-453548)** (NMLS 453548), JPMorgan Chase Bank (Chase Home Lending), San Francisco, CA - 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) 11. **[Serena Zou](https://lendb.ai/lo/serena-zou-633485)** (NMLS 633485), JPMorgan Chase Bank (Chase Home Lending), Cupertino, CA - 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) 12. **[Derek Kam](https://lendb.ai/lo/derek-kam-633695)** (NMLS 633695), Bank of America, Pleasanton, CA - 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) 13. **[Cindy Guo](https://lendb.ai/lo/cindy-guo-1762387)** (NMLS 1762387), Bank of America, San Jose, CA - 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) 14. **[Jonathan Chu](https://lendb.ai/lo/jonathan-chu-695329)** (NMLS 695329), JPMorgan Chase Bank (Chase Home Lending), Arcadia, CA - 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) 15. **[Linda Wong](https://lendb.ai/lo/linda-wong-633580)** (NMLS 633580), Bank of America, Fremont, CA - 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) 16. **[Jullian Liu](https://lendb.ai/lo/jullian-liu-491898)** (NMLS 491898), JPMorgan Chase Bank (Chase Home Lending), Los Angeles, CA - 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) 17. **[Steve Chen](https://lendb.ai/lo/steve-chen-714948)** (NMLS 714948), Wells Fargo Home Mortgage, Sunnyvale, CA - 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) 18. **[Peter Yeung](https://lendb.ai/lo/peter-yeung-1067706)** (NMLS 1067706), JPMorgan Chase Bank (Chase Home Lending), San Mateo, CA - 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) 19. **[Vanessa Li](https://lendb.ai/lo/vanessa-li-1942974)** (NMLS 1942974), Loan Factory, CA - 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 20. **[Lana Xu](https://lendb.ai/lo/lana-xu-877497)** (NMLS 877497), JPMorgan Chase Bank (Chase Home Lending), Arcadia, CA - 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) 21. **[Yijin Su](https://lendb.ai/lo/yijin-su-2732641)** (NMLS 2732641), Loan Factory, CA - 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-DFPI2732641), verified 2026-10-24 - Earliest state license record: November 24, 2025 (California), per state regulator 22. **[Stephen Wong](https://lendb.ai/lo/stephen-wong-685335)** (NMLS 685335), Bank of America, San Francisco, CA - 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 14 years of experience (lender page, 2026-10-19) 23. **[Kieu Lam](https://lendb.ai/lo/kieu-lam-2007172)** (NMLS 2007172), Loan Factory, CA - 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-DFPI2007172), verified 2026-10-24 - Earliest state license record: February 7, 2024 (California), per state regulator 24. **[Kevin Choi](https://lendb.ai/lo/kevin-choi-2557778)** (NMLS 2557778), Loan Factory, CA - 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-DFPI2557778), verified 2026-10-24 - Earliest state license record: May 30, 2024 (California), per state regulator 25. **[Sunny Duan](https://lendb.ai/lo/sunny-duan-1272375)** (NMLS 1272375), Bank of America, Foster City, CA - Speaks Chinese (lender page, verified 2026-10-26) - Office in Foster City, 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, 2026-10-26) Cite as: LenDb.ai, https://lendb.ai/lang/zh/california. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._