{
  "canonical_url": "https://lendb.ai/lang/zh/florida",
  "summary": "As of 2026-10-26, LenDb lists 5 loan officers licensed in or based in Florida whose lender pages say they speak Chinese. The top-ranked are Tina Sun (Loan Factory), Priscilla Chan (Loan Factory) and Feng Liu (JPMorgan Chase Bank (Chase Home Lending), Weston). Ranking is lender-neutral: a license in FL, 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": "FL",
  "total": 5,
  "last_verified": "2026-10-26",
  "results": [
    {
      "rank": 1,
      "score": 39,
      "loan_officer": {
        "nmls_id": 2058833,
        "slug": "xiaohong-sun-2058833",
        "full_name": "Tina Sun",
        "canonical_url": "https://lendb.ai/lo/xiaohong-sun-2058833",
        "json_url": "https://lendb.ai/lo/xiaohong-sun-2058833.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": "FL"
        },
        "headshot_url": "https://lh3.googleusercontent.com/pVGKo5DlKpTeU2Sr9hYcMQar9cQp-o0RLBxDfqtx4dw8BR_1Tv0GGtP98umbDG2Ep7m0ygr3vQMO3UH3NcZoWkAMWjE7LMrlmdA4MQ",
        "licensed_states": [
          "FL"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "zh"
        ],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2020-12-01",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/tina-sun-2058833",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "Office in Florida",
        "Licensed in FL: confirmed with the Florida regulator (license LO77973), verified 2026-10-15",
        "Earliest state license record: December 1, 2020 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/xiaohong-sun-2058833",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO77973), verified 2026-10-15",
        "verified_at": "2026-10-15",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip"
      }
    },
    {
      "rank": 2,
      "score": 38,
      "loan_officer": {
        "nmls_id": 2111399,
        "slug": "priscilla-chan-2111399",
        "full_name": "Priscilla Chan",
        "licensed_names": [
          {
            "name": "Priscilla Chan",
            "name_with_middle_initial": "Priscilla P. Chan",
            "first_name": "Priscilla",
            "middle_initial": "P",
            "last_name": "Chan",
            "states": [
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/priscilla-chan-2111399",
        "json_url": "https://lendb.ai/lo/priscilla-chan-2111399.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": "FL"
        },
        "headshot_url": "https://lh3.googleusercontent.com/TKXjmjAbUiINnsXhcaUeTDbQKpqbwfX8DsbOnr4DACV1lX_p69gv_BIWuhDiza12B3azuRpmaGFrTPJitbsSY0UeZXlVxHZulR-s",
        "licensed_states": [
          "FL"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "zh"
        ],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-07-21",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/priscilla-chan-2111399",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "Office in Florida",
        "Licensed in FL: confirmed with the Florida regulator (license LO110993), verified 2026-10-15",
        "Earliest state license record: July 21, 2022 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/priscilla-chan-2111399",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO110993), verified 2026-10-15",
        "verified_at": "2026-10-15",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip"
      }
    },
    {
      "rank": 3,
      "score": 35.3,
      "loan_officer": {
        "nmls_id": 615053,
        "slug": "feng-liu-615053",
        "full_name": "Feng Liu",
        "canonical_url": "https://lendb.ai/lo/feng-liu-615053",
        "json_url": "https://lendb.ai/lo/feng-liu-615053.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": "Weston",
          "state": "FL"
        },
        "headshot_url": "http://a.mktgcdn.com/p/WxCsArxdrxAyWKTpNNeQd9ecjv1_AMQV82KcFCKsgpQ/1500x2100.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": "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": 10,
        "lender_profile_url": "https://homelendingadvisor.chase.com/fl/weston/1799-bell-tower-ln-hla-615053",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-26)",
        "Office in Weston, FL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 10 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/feng-liu-615053",
      "license_check": {
        "state": "FL",
        "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": 4,
      "score": 24.5,
      "loan_officer": {
        "nmls_id": 2267181,
        "slug": "lijun-hague-2267181",
        "full_name": "Lijun Hague",
        "canonical_url": "https://lendb.ai/lo/lijun-hague-2267181",
        "json_url": "https://lendb.ai/lo/lijun-hague-2267181.json",
        "lender": {
          "nmls_id": 1216108,
          "name": "Zero Point Mortgage Services",
          "slug": "zero-point-mortgage-services-1216108",
          "canonical_url": "https://lendb.ai/lender/zero-point-mortgage-services-1216108",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://irp.cdn-website.com/99454db7/dms3rep/multi/opt/lijun-hague-1920w.png",
        "licensed_states": [
          "AZ",
          "CA",
          "CO",
          "FL",
          "NM",
          "OR",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "zh"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-07-15",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2022,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.zpmloans.com/ZPM-Officers/lijun-hague",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-15)",
        "FL 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"
      ],
      "canonical_url": "https://lendb.ai/lo/lijun-hague-2267181",
      "license_check": {
        "state": "FL",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "FL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://www.zpmloans.com/ZPM-Officers/lijun-hague"
      }
    },
    {
      "rank": 5,
      "score": 23.3,
      "loan_officer": {
        "nmls_id": 2395248,
        "slug": "ming-wang-2395248",
        "full_name": "Ming Wang",
        "canonical_url": "https://lendb.ai/lo/ming-wang-2395248",
        "json_url": "https://lendb.ai/lo/ming-wang-2395248.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/oS21bXcHeFno3WoyvMuibaU7J0d8vsmyIgrWpIZXVIQLDHWztWPrayx_tJPnDnkZnibrqFrj6Bv7Pa-fLXgSciyWBkwGwEiCEyw",
        "licensed_states": [
          "AR",
          "AZ",
          "CA",
          "FL",
          "KS",
          "LA",
          "OK",
          "TX"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "zh"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-11-01",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2022,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/ming-wang-2395248",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "FL 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"
      ],
      "canonical_url": "https://lendb.ai/lo/ming-wang-2395248",
      "license_check": {
        "state": "FL",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "FL 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/ming-wang-2395248"
      }
    }
  ]
}