{
  "canonical_url": "https://lendb.ai/lang/zh/massachusetts",
  "summary": "As of 2026-10-26, LenDb lists 4 loan officers licensed in or based in Massachusetts whose lender pages say they speak Chinese. The top-ranked are Nicole Kwan (CrossCountry Mortgage, Lexington), Rebecca Huang (Loan Factory) and Regina Tan (Loan Factory). Ranking is lender-neutral: a license in MA, 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": "MA",
  "total": 4,
  "last_verified": "2026-10-26",
  "results": [
    {
      "rank": 1,
      "score": 46.3,
      "loan_officer": {
        "nmls_id": 477256,
        "slug": "nicole-kwan-477256",
        "full_name": "Nicole Kwan",
        "canonical_url": "https://lendb.ai/lo/nicole-kwan-477256",
        "json_url": "https://lendb.ai/lo/nicole-kwan-477256.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "slug": "crosscountry-mortgage-3029",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Lexington",
          "state": "MA"
        },
        "headshot_url": "https://thevault.ccm.com/m/69fc988e16f045fc/Website-4841_Kwan_477256.jpg",
        "licensed_states": [
          "CA",
          "MA",
          "ME",
          "NH",
          "RI"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "zh"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "investor",
          "jumbo",
          "non-qm",
          "refinance",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-09-18",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2025,
          "state": "CA"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/lexington-ma-4841/nicole-kwan/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "Office in Lexington, MA",
        "Licensed in MA: confirmed with the Massachusetts regulator (license MLO477256), verified 2026-10-26",
        "Earliest state license record: September 18, 2025 (California), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/nicole-kwan-477256",
      "license_check": {
        "state": "MA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MA: confirmed with the Massachusetts regulator (license MLO477256), verified 2026-10-26",
        "verified_at": "2026-10-26",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees"
      }
    },
    {
      "rank": 2,
      "score": 34.8,
      "loan_officer": {
        "nmls_id": 1569920,
        "slug": "rebecca-huang-1569920",
        "full_name": "Rebecca Huang",
        "canonical_url": "https://lendb.ai/lo/rebecca-huang-1569920",
        "json_url": "https://lendb.ai/lo/rebecca-huang-1569920.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": "MA"
        },
        "headshot_url": "https://lh3.googleusercontent.com/hMgYYVsHXYfiajLzJM6c8-gQPT1Iw0yU8WaTHv81sq-p-t-HziBfkx7xi27ISBqTvjg2n4VV2ByTpQU8ju1Cp7AipIPt4LPMajY",
        "licensed_states": [
          "MA"
        ],
        "licenses": [
          {
            "state": "MA",
            "confidence": "confirmed"
          }
        ],
        "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/rebecca-huang-1569920",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "Office in Massachusetts",
        "Licensed in MA: confirmed with the Massachusetts regulator (license MLO1569920), verified 2026-10-26"
      ],
      "canonical_url": "https://lendb.ai/lo/rebecca-huang-1569920",
      "license_check": {
        "state": "MA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MA: confirmed with the Massachusetts regulator (license MLO1569920), verified 2026-10-26",
        "verified_at": "2026-10-26",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees"
      }
    },
    {
      "rank": 3,
      "score": 34.8,
      "loan_officer": {
        "nmls_id": 1962381,
        "slug": "regina-tan-1962381",
        "full_name": "Regina Tan",
        "canonical_url": "https://lendb.ai/lo/regina-tan-1962381",
        "json_url": "https://lendb.ai/lo/regina-tan-1962381.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": "MA"
        },
        "headshot_url": "https://lh3.googleusercontent.com/UNlsWj9egN_rB92v3YmcYyAxHDByaIrNWz84ooaeTuU0R-1K3XS9VNSkbqBACLb1BhZu44K6CttUJgk8rMGHz4tVCbL_VpDeoDdbcg",
        "licensed_states": [
          "MA"
        ],
        "licenses": [
          {
            "state": "MA",
            "confidence": "confirmed"
          }
        ],
        "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/regina-tan-1962381",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "Office in Massachusetts",
        "Licensed in MA: confirmed with the Massachusetts regulator (license MLO1962381), verified 2026-10-26"
      ],
      "canonical_url": "https://lendb.ai/lo/regina-tan-1962381",
      "license_check": {
        "state": "MA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MA: confirmed with the Massachusetts regulator (license MLO1962381), verified 2026-10-26",
        "verified_at": "2026-10-26",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees"
      }
    },
    {
      "rank": 4,
      "score": 30,
      "loan_officer": {
        "nmls_id": 2149597,
        "slug": "tiffany-leung-2149597",
        "full_name": "Tiffany Leung",
        "canonical_url": "https://lendb.ai/lo/tiffany-leung-2149597",
        "json_url": "https://lendb.ai/lo/tiffany-leung-2149597.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": "Andover",
          "state": "MA"
        },
        "headshot_url": "https://images.em.bankofamerica.com/AMP/0D584600-3BBB-4135-8AF6-2515FC5E2883.png",
        "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": null,
        "lender_profile_url": "https://mortgage.bankofamerica.com/tiffany-leung",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-19)",
        "Office in Andover, MA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/tiffany-leung-2149597",
      "license_check": {
        "state": "MA",
        "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
      }
    }
  ]
}