{
  "canonical_url": "https://lendb.ai/lang/zh/michigan",
  "summary": "As of 2026-10-09, LenDb lists 4 loan officers licensed in or based in Michigan whose lender pages say they speak Chinese. The top-ranked are Diane Fan (Loan Factory), Kevin Su (Loan Factory) and Rosette Xu (Loan Factory). Ranking is lender-neutral: a license in MI, 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": "MI",
  "total": 4,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 38,
      "loan_officer": {
        "nmls_id": 2593667,
        "slug": "diane-fan-2593667",
        "full_name": "Diane Fan",
        "canonical_url": "https://lendb.ai/lo/diane-fan-2593667",
        "json_url": "https://lendb.ai/lo/diane-fan-2593667.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": "MI"
        },
        "headshot_url": "https://lh3.googleusercontent.com/O_S2f7yRd0AQyNGz5cvRA6G0bakg_7LTFQJims_rsIKYA95f3bi8zKQnqu4GW_RLQYPb6p-kL_3UwsH1pcGJUZhBuboZfKK3qlVZ",
        "licensed_states": [
          "MI"
        ],
        "licenses": [
          {
            "state": "MI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "zh"
        ],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 10,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/diane-fan-2593667",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "Office in Michigan",
        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 10 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/diane-fan-2593667",
      "license_check": {
        "state": "MI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MI 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/diane-fan-2593667"
      }
    },
    {
      "rank": 2,
      "score": 25,
      "loan_officer": {
        "nmls_id": 2030963,
        "slug": "kevin-su-2030963",
        "full_name": "Kevin Su",
        "canonical_url": "https://lendb.ai/lo/kevin-su-2030963",
        "json_url": "https://lendb.ai/lo/kevin-su-2030963.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/CFlg2ajh-ZKLxMFJduedUVUgC_rnIymhAikV2tOE8ArA9B080wofnuMNDbbnH9rblSN12Lvs-Bfd_DQ-GxIAv3ualiWSn4JCdFM",
        "licensed_states": [
          "MI",
          "PA",
          "TX"
        ],
        "licenses": [
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "zh"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-01-13",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2021,
          "state": "TX"
        },
        "years_experience": 4,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/kevin-su-2030963",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 13, 2021 (Texas), per state regulator",
        "States 4 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kevin-su-2030963",
      "license_check": {
        "state": "MI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MI 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/kevin-su-2030963"
      }
    },
    {
      "rank": 3,
      "score": 22.8,
      "loan_officer": {
        "nmls_id": 1838793,
        "slug": "rosette-xu-1838793",
        "full_name": "Rosette Xu",
        "licensed_names": [
          {
            "name": "Rosette Xu",
            "name_with_middle_initial": "Rosette T. Xu",
            "first_name": "Rosette",
            "middle_initial": "T",
            "last_name": "Xu",
            "states": [
              "CA",
              "FL",
              "MA",
              "MD"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/rosette-xu-1838793",
        "json_url": "https://lendb.ai/lo/rosette-xu-1838793.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/If29_cxLSnSDt4fN7RFSFvPGFioU65Uovzs0b0BML5EnmfMHfHQDB_j0ibGMmJShx3kEBm7hTbdPOKw27tvaXOkBYeMw6OdGtUCh",
        "licensed_states": [
          "CA",
          "CO",
          "MA",
          "MD",
          "MI",
          "NC",
          "NJ",
          "PA",
          "VA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "zh"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-07-26",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/rosette-xu-1838793",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 26, 2023 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/rosette-xu-1838793",
      "license_check": {
        "state": "MI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MI 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/rosette-xu-1838793"
      }
    },
    {
      "rank": 4,
      "score": 22.8,
      "loan_officer": {
        "nmls_id": 2463064,
        "slug": "xiaxi-nikesch-2463064",
        "full_name": "Xiaxi Nikesch",
        "canonical_url": "https://lendb.ai/lo/xiaxi-nikesch-2463064",
        "json_url": "https://lendb.ai/lo/xiaxi-nikesch-2463064.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/kHHtSyleLbFUJ2wnaBYIyG4QHjDFn8s5QFX1X7PrRlwgOS6zOarhI8M488MYKQ5yHzK9E-Hsh39u0k1zk7JhJr7H0hRN6tGPHl4arg",
        "licensed_states": [
          "FL",
          "MI",
          "TX"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "zh"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-05-15",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/xiaxi-nikesch-2463064",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 15, 2023 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/xiaxi-nikesch-2463064",
      "license_check": {
        "state": "MI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MI 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/xiaxi-nikesch-2463064"
      }
    }
  ]
}