{
  "canonical_url": "https://lendb.ai/lang/zh/georgia",
  "summary": "As of 2026-10-15, LenDb lists 6 loan officers licensed in or based in Georgia whose lender pages say they speak Chinese. The top-ranked are Sean Kong (Loan Factory), Xiye Wang (Loan Factory) and Zihan Jiang (Loan Factory). Ranking is lender-neutral: a license in GA, 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": "GA",
  "total": 6,
  "last_verified": "2026-10-15",
  "results": [
    {
      "rank": 1,
      "score": 32.5,
      "loan_officer": {
        "nmls_id": 2641788,
        "slug": "sean-kong-2641788",
        "full_name": "Sean Kong",
        "canonical_url": "https://lendb.ai/lo/sean-kong-2641788",
        "json_url": "https://lendb.ai/lo/sean-kong-2641788.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": "GA"
        },
        "headshot_url": "https://lh3.googleusercontent.com/aczZzOBn2PDSADEFFXQ9pKDH4StTCQKEJ_3RS2ZE4FLkHjusIS-pXDBr3q_8GKh7kp4TKAjZWUhSbVdGi-n4aQ-M4pT3Kaili91bKQ",
        "licensed_states": [
          "GA"
        ],
        "licenses": [
          {
            "state": "GA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "zh"
        ],
        "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/sean-kong-2641788",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "Office in Georgia",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/sean-kong-2641788",
      "license_check": {
        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA 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/sean-kong-2641788"
      }
    },
    {
      "rank": 2,
      "score": 31.8,
      "loan_officer": {
        "nmls_id": 2554550,
        "slug": "xiye-wang-2554550",
        "full_name": "Xiye Wang",
        "canonical_url": "https://lendb.ai/lo/xiye-wang-2554550",
        "json_url": "https://lendb.ai/lo/xiye-wang-2554550.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": "GA"
        },
        "headshot_url": "https://lh3.googleusercontent.com/PdXWg5FcHzw4Z_6QWlT-RkKbf0rEotTGpHiJ-GHu9sSoz2H-sz37HrQNMETbuPXh_-Nj_NqxADYweDgLkUBIQCBDvoMwiDbysa7YZA",
        "licensed_states": [
          "GA"
        ],
        "licenses": [
          {
            "state": "GA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "zh"
        ],
        "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/xiye-wang-2554550",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "Office in Georgia",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/xiye-wang-2554550",
      "license_check": {
        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA 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/xiye-wang-2554550"
      }
    },
    {
      "rank": 3,
      "score": 31.8,
      "loan_officer": {
        "nmls_id": 2717739,
        "slug": "zihan-jiang-2717739",
        "full_name": "Zihan Jiang",
        "canonical_url": "https://lendb.ai/lo/zihan-jiang-2717739",
        "json_url": "https://lendb.ai/lo/zihan-jiang-2717739.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": "GA"
        },
        "headshot_url": "https://lh3.googleusercontent.com/BVgqj2QSRRa7AjrCj3oU06Y74ykZeHrw7VU7ZvQl3_UTvMjoVN3BbWduLg4gfwpTmMDGXbCB2ZSVjZ7hTPBTsCcINRdKCvcwpP2gwg",
        "licensed_states": [
          "GA"
        ],
        "licenses": [
          {
            "state": "GA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "zh"
        ],
        "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/zihan-jiang-2717739",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "Office in Georgia",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/zihan-jiang-2717739",
      "license_check": {
        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA 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/zihan-jiang-2717739"
      }
    },
    {
      "rank": 4,
      "score": 24,
      "loan_officer": {
        "nmls_id": 760271,
        "slug": "kwok-choy-760271",
        "full_name": "Kwok Choy",
        "licensed_names": [
          {
            "name": "Kwok Choy",
            "name_with_middle_initial": "Kwok C. Choy",
            "first_name": "Kwok",
            "middle_initial": "C",
            "last_name": "Choy",
            "states": [
              "CA",
              "CO",
              "CT",
              "FL",
              "MD",
              "OR",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/kwok-choy-760271",
        "json_url": "https://lendb.ai/lo/kwok-choy-760271.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/Fo3Wqu5aipDU9J7SWdpVoyNOb-rL1wi98c6b_yM5-YiUEfgrLT4EIANDS7rmORGHX9BLHRgWyfz4P-BXgeO0IL1ZvdQ5xWPydLcNFw",
        "licensed_states": [
          "FL",
          "AZ",
          "GA",
          "IL",
          "MD",
          "TX",
          "CA",
          "CT",
          "CO",
          "OR"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "zh"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-10-09",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "IL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/kwok-choy-760271",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "GA 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"
      ],
      "canonical_url": "https://lendb.ai/lo/kwok-choy-760271",
      "license_check": {
        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA 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/kwok-choy-760271"
      }
    },
    {
      "rank": 5,
      "score": 23.8,
      "loan_officer": {
        "nmls_id": 17991,
        "slug": "jen-chi-chen-17991",
        "full_name": "James Chen",
        "canonical_url": "https://lendb.ai/lo/jen-chi-chen-17991",
        "json_url": "https://lendb.ai/lo/jen-chi-chen-17991.json",
        "lender": {
          "nmls_id": 65328,
          "name": "Cliffco, Inc.",
          "slug": "cliffco-inc-65328",
          "canonical_url": "https://lendb.ai/lender/cliffco-inc-65328",
          "type": "imb"
        },
        "branch": {
          "city": "Uniondale",
          "state": "NY"
        },
        "headshot_url": "https://cliffcomortgage.com/wp-content/uploads/2024/12/JAMES_CHEN-1024x943.webp",
        "licensed_states": [
          "FL",
          "TX",
          "NY",
          "AZ",
          "CT",
          "GA",
          "MD",
          "NC",
          "NJ",
          "OR",
          "PA",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "zh"
        ],
        "specialties": [],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-01-12",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2024,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://cliffcomortgage.com/jchen/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-15)",
        "GA 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"
      ],
      "canonical_url": "https://lendb.ai/lo/jen-chi-chen-17991",
      "license_check": {
        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://cliffcomortgage.com/jchen/"
      }
    },
    {
      "rank": 6,
      "score": 21.3,
      "loan_officer": {
        "nmls_id": 2187517,
        "slug": "wendy-tu-2187517",
        "full_name": "Wendy Tu",
        "canonical_url": "https://lendb.ai/lo/wendy-tu-2187517",
        "json_url": "https://lendb.ai/lo/wendy-tu-2187517.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/kH2BDoWWV5DFP73uTRxteIXjit7ot1Ptp087WL0ToFny0NrqtrGhv7THmAtHJvPI_5okJO09--IPn_3huHbQ1AmRfU1jnBIDGI1A",
        "licensed_states": [
          "AL",
          "GA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi",
          "zh"
        ],
        "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/wendy-tu-2187517",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/wendy-tu-2187517",
      "license_check": {
        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA 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/wendy-tu-2187517"
      }
    }
  ]
}