{
  "canonical_url": "https://lendb.ai/lang/zh/nevada",
  "summary": "As of 2026-10-26, LenDb lists 7 loan officers licensed in or based in Nevada whose lender pages say they speak Chinese. The top-ranked are Paula Silverio (Bank of America, Las Vegas), Wei Dai (JPMorgan Chase Bank (Chase Home Lending), Las Vegas) and Min Nicar (Loan Factory). Ranking is lender-neutral: a license in NV, 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": "NV",
  "total": 7,
  "last_verified": "2026-10-26",
  "results": [
    {
      "rank": 1,
      "score": 40,
      "loan_officer": {
        "nmls_id": 354948,
        "slug": "paula-silverio-354948",
        "full_name": "Paula Silverio",
        "canonical_url": "https://lendb.ai/lo/paula-silverio-354948",
        "json_url": "https://lendb.ai/lo/paula-silverio-354948.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": "Las Vegas",
          "state": "NV"
        },
        "headshot_url": "https://images.em.bankofamerica.com/AMP/ECF00071-46A3-44D4-9F94-15935DEFB70D.jpg",
        "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": 21,
        "lender_profile_url": "https://mortgage.bankofamerica.com/paula-silverio",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-19)",
        "Office in Las Vegas, NV",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 21 years of experience (lender page, 2026-10-19)"
      ],
      "canonical_url": "https://lendb.ai/lo/paula-silverio-354948",
      "license_check": {
        "state": "NV",
        "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
      }
    },
    {
      "rank": 2,
      "score": 34.8,
      "loan_officer": {
        "nmls_id": 389789,
        "slug": "wei-dai-389789",
        "full_name": "Wei Dai",
        "canonical_url": "https://lendb.ai/lo/wei-dai-389789",
        "json_url": "https://lendb.ai/lo/wei-dai-389789.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": "Las Vegas",
          "state": "NV"
        },
        "headshot_url": null,
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "zh"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "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": 9,
        "lender_profile_url": "https://homelendingadvisor.chase.com/nv/las-vegas/790-s-rampart-blvd-hla-389789",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-26)",
        "Office in Las Vegas, NV",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 9 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/wei-dai-389789",
      "license_check": {
        "state": "NV",
        "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": 3,
      "score": 26.5,
      "loan_officer": {
        "nmls_id": 1569049,
        "slug": "min-nicar-1569049",
        "full_name": "Min Nicar",
        "canonical_url": "https://lendb.ai/lo/min-nicar-1569049",
        "json_url": "https://lendb.ai/lo/min-nicar-1569049.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/Cybm08CHWmdmjFt4SUXQ1VW3irU6-Gnhzv0K6FW3gw1iPg69WUidpZokMOIPe3sqAwkc91Qt0FjRhVRFMJck9truekfehv4igLs",
        "licensed_states": [
          "FL",
          "PA",
          "HI",
          "NV",
          "OR",
          "WA",
          "TX",
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "zh"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-02-27",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2017,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/min-nicar-1569049",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 27, 2017 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/min-nicar-1569049",
      "license_check": {
        "state": "NV",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NV 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/min-nicar-1569049"
      }
    },
    {
      "rank": 4,
      "score": 25,
      "loan_officer": {
        "nmls_id": 2579089,
        "slug": "josue-arevalo-2579089",
        "full_name": "Josue Arevalo",
        "canonical_url": "https://lendb.ai/lo/josue-arevalo-2579089",
        "json_url": "https://lendb.ai/lo/josue-arevalo-2579089.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/y4yBMD7-0efpkPX_NoboRgqP6FM2t4u4PLlF_B45DAbCaufo1KHsO2tPW39gMB91pbaynv4SE4EPdMkbbpkFFbNcABoQbgB02SQr",
        "licensed_states": [
          "AZ",
          "NV"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es",
          "zh"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 6,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/josue-arevalo-2579089",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 6 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/josue-arevalo-2579089",
      "license_check": {
        "state": "NV",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NV 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/josue-arevalo-2579089"
      }
    },
    {
      "rank": 5,
      "score": 24.3,
      "loan_officer": {
        "nmls_id": 1834537,
        "slug": "sarah-liang-1834537",
        "full_name": "Sarah Liang",
        "licensed_names": [
          {
            "name": "Sarah Liang",
            "name_with_middle_initial": "Sarah X. Liang",
            "first_name": "Sarah",
            "middle_initial": "X",
            "last_name": "Liang",
            "states": [
              "CA",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/sarah-liang-1834537",
        "json_url": "https://lendb.ai/lo/sarah-liang-1834537.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/6c5mEiXj9Jjd-_hSP8kF-CVUFp0BGAQfHWMC8gQVHOQBfYHycK_dOaCdV9KN-ho3LZLu421IZRYlTd56tMcIUnl9pY8DakmQHISe",
        "licensed_states": [
          "FL",
          "IN",
          "NV",
          "TX",
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "zh"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2020-03-31",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2020,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/sarah-liang-1834537",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 31, 2020 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/sarah-liang-1834537",
      "license_check": {
        "state": "NV",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NV 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/sarah-liang-1834537"
      }
    },
    {
      "rank": 6,
      "score": 23.5,
      "loan_officer": {
        "nmls_id": 2459857,
        "slug": "felina-zhang-2459857",
        "full_name": "Felina Zhang",
        "canonical_url": "https://lendb.ai/lo/felina-zhang-2459857",
        "json_url": "https://lendb.ai/lo/felina-zhang-2459857.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/RAZJz77AEBX36q8XpGHdgMeASRVoG2PRfevGHKQVt1EfDI4WWNNzcm5fPTsmRQXn6GFaWIPbChEV3B2jdDjbUkhFIdUysidZ63fC",
        "licensed_states": [
          "FL",
          "CA",
          "NV",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi",
          "zh"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-05-17",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/felina-zhang-2459857",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 17, 2023 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/felina-zhang-2459857",
      "license_check": {
        "state": "NV",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NV 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/felina-zhang-2459857"
      }
    },
    {
      "rank": 7,
      "score": 22.8,
      "loan_officer": {
        "nmls_id": 2228074,
        "slug": "christina-jin-2228074",
        "full_name": "Christina Jin",
        "canonical_url": "https://lendb.ai/lo/christina-jin-2228074",
        "json_url": "https://lendb.ai/lo/christina-jin-2228074.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/wi_qkYezxlCo4evoy0VyTLqU6_ycYZkwC2r9su1upql07YyRyDTAy-5roRzWAD-Vl5mNDqZHDKlMQjCXuNUKe5ODahlB9JGFY78JKg",
        "licensed_states": [
          "CA",
          "NV"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "ko",
          "zh"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-03-08",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2023,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/christina-jin-2228074",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 8, 2023 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/christina-jin-2228074",
      "license_check": {
        "state": "NV",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NV 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/christina-jin-2228074"
      }
    }
  ]
}