{ "canonical_url": "https://lendb.ai/lang/zh/new-york", "summary": "As of 2026-10-26, LenDb lists 33 loan officers licensed in or based in New York whose lender pages say they speak Chinese. The top-ranked are Sally Jiang (JPMorgan Chase Bank (Chase Home Lending), Brooklyn), Cindy Zhang (JPMorgan Chase Bank (Chase Home Lending), Flushing) and Lorraine Zhang (JPMorgan Chase Bank (Chase Home Lending), New York). Ranking is lender-neutral: a license in NY, 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": "NY", "total": 33, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 41, "loan_officer": { "nmls_id": 624259, "slug": "sally-jiang-624259", "full_name": "Sally Jiang", "canonical_url": "https://lendb.ai/lo/sally-jiang-624259", "json_url": "https://lendb.ai/lo/sally-jiang-624259.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": "Brooklyn", "state": "NY" }, "headshot_url": "http://a.mktgcdn.com/p/QTH3H_gVVNu8s5NFEjKYVSl1dF0dWK0RGfsJVKt7hJU/1201x1801.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": 20, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/brooklyn/5423-8th-ave-hla-624259", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in Brooklyn, NY", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/sally-jiang-624259", "license_check": { "state": "NY", "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": 41, "loan_officer": { "nmls_id": 626910, "slug": "cindy-zhang-626910", "full_name": "Cindy Zhang", "canonical_url": "https://lendb.ai/lo/cindy-zhang-626910", "json_url": "https://lendb.ai/lo/cindy-zhang-626910.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": "Flushing", "state": "NY" }, "headshot_url": "http://a.mktgcdn.com/p/gen-C9NtXjeEa6yNB-6mhxbXDFRQ6uY9lKj-ZeOMsGQ/800x1200.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "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": 20, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/flushing/3728-main-st-hla-626910", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in Flushing, NY", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/cindy-zhang-626910", "license_check": { "state": "NY", "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": 3, "score": 40.3, "loan_officer": { "nmls_id": 82985, "slug": "lorraine-zhang-82985", "full_name": "Lorraine Zhang", "canonical_url": "https://lendb.ai/lo/lorraine-zhang-82985", "json_url": "https://lendb.ai/lo/lorraine-zhang-82985.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": "New York", "state": "NY" }, "headshot_url": "http://a.mktgcdn.com/p/MQitVSaPpztLlep22AoGO7dG17wJC4cL5D4lTIxTkuA/3000x4000.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [ { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "self-employed", "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": 28, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/new-york/386-park-ave-s-hla-82985", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in New York, NY", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 28 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/lorraine-zhang-82985", "license_check": { "state": "NY", "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": 4, "score": 40.3, "loan_officer": { "nmls_id": 404088, "slug": "philip-dai-404088", "full_name": "Philip Dai", "canonical_url": "https://lendb.ai/lo/philip-dai-404088", "json_url": "https://lendb.ai/lo/philip-dai-404088.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": "Flushing", "state": "NY" }, "headshot_url": "http://a.mktgcdn.com/p/y-2b9tLu_WVEJ2USfrlbs4RQ7rGiV2wY4igtefPrL7I/600x900.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "vi", "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": 39, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/flushing/32-45-francis-lewis-blvd-hla-404088", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in Flushing, NY", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 39 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/philip-dai-404088", "license_check": { "state": "NY", "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": 5, "score": 40.3, "loan_officer": { "nmls_id": 626886, "slug": "angela-cheung-626886", "full_name": "Angela Cheung", "canonical_url": "https://lendb.ai/lo/angela-cheung-626886", "json_url": "https://lendb.ai/lo/angela-cheung-626886.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": "Flushing", "state": "NY" }, "headshot_url": "http://a.mktgcdn.com/p/cn9v8idt_wEH7l_B38ZUwK3dBk35TRbAge8v-KxH2eQ/543x813.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "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": "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": 24, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/flushing/39-01-main-st-hla-626886", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in Flushing, NY", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 24 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/angela-cheung-626886", "license_check": { "state": "NY", "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": 6, "score": 40.3, "loan_officer": { "nmls_id": 1226544, "slug": "sam-zheng-1226544", "full_name": "Sam Zheng", "canonical_url": "https://lendb.ai/lo/sam-zheng-1226544", "json_url": "https://lendb.ai/lo/sam-zheng-1226544.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": "New York", "state": "NY" }, "headshot_url": "http://a.mktgcdn.com/p/pXuDiazdYzul0oWqz45SXiydOUB1SQLATGpT0YS-p40/1500x2100.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "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": 21, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/new-york/26-astor-pl-hla-1226544", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in New York, NY", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 21 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/sam-zheng-1226544", "license_check": { "state": "NY", "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": 7, "score": 40, "loan_officer": { "nmls_id": 625905, "slug": "vivian-chiang-625905", "full_name": "Vivian Chiang", "canonical_url": "https://lendb.ai/lo/vivian-chiang-625905", "json_url": "https://lendb.ai/lo/vivian-chiang-625905.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": "Flushing", "state": "NY" }, "headshot_url": "http://a.mktgcdn.com/p/3gZTgoXZWlNTa4YjZfPzuXRHhzPMOqcQlgqhzhDjU3Y/1112x1666.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": 18, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/flushing/39-01-main-st-hla-625905", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in Flushing, NY", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 18 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/vivian-chiang-625905", "license_check": { "state": "NY", "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": 8, "score": 39.5, "loan_officer": { "nmls_id": 495262, "slug": "jessie-yu-495262", "full_name": "Jessie Yu", "canonical_url": "https://lendb.ai/lo/jessie-yu-495262", "json_url": "https://lendb.ai/lo/jessie-yu-495262.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": "Brooklyn", "state": "NY" }, "headshot_url": "http://a.mktgcdn.com/p/RMgZpKGo0MGN4-KIMLFIl1Za76FDDG3LTnA5aZ2EsgM/2679x3456.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [ { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "self-employed", "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": 17, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/brooklyn/8418-bay-pkwy-hla-495262", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in Brooklyn, NY", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 17 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jessie-yu-495262", "license_check": { "state": "NY", "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": 9, "score": 38.5, "loan_officer": { "nmls_id": 627959, "slug": "sharon-liu-627959", "full_name": "Sharon Liu", "canonical_url": "https://lendb.ai/lo/sharon-liu-627959", "json_url": "https://lendb.ai/lo/sharon-liu-627959.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": "Brooklyn", "state": "NY" }, "headshot_url": "http://a.mktgcdn.com/p/qpCbCJGWsJjx3D9qWCzGvmRwJCvbKOzzUQ3XL3RgDM0/600x900.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [ { "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": 15, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/brooklyn/6501-ft-hamilton-pkwy-hla-627959", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in Brooklyn, NY", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 15 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/sharon-liu-627959", "license_check": { "state": "NY", "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": 10, "score": 38.5, "loan_officer": { "nmls_id": 841277, "slug": "baldwin-lee-841277", "full_name": "Baldwin Lee", "canonical_url": "https://lendb.ai/lo/baldwin-lee-841277", "json_url": "https://lendb.ai/lo/baldwin-lee-841277.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": "New York", "state": "NY" }, "headshot_url": "http://a.mktgcdn.com/p/TO7IsZhGw7lWYJvO4ETjPWIg7nNky7cYqt7ebzBbF10/834x1250.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "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": 15, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/new-york/277-park-ave-hla-841277", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in New York, NY", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 15 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/baldwin-lee-841277", "license_check": { "state": "NY", "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": 11, "score": 38.5, "loan_officer": { "nmls_id": 952311, "slug": "bin-luo-952311", "full_name": "Bin Luo", "canonical_url": "https://lendb.ai/lo/bin-luo-952311", "json_url": "https://lendb.ai/lo/bin-luo-952311.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": "Elmhurst", "state": "NY" }, "headshot_url": "http://a.mktgcdn.com/p/EraxnbDsMrJmjbzthd6sxNG1Dyqjgh0mGd7RP4_-o5w/2000x2500.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "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": 15, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/elmhurst/8921-queens-blvd-hla-952311", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in Elmhurst, NY", "Likely federally registered (works at a bank). 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Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-19", "source_url": null } }, { "rank": 17, "score": 35.3, "loan_officer": { "nmls_id": 471537, "slug": "billy-mui-471537", "full_name": "Billy Mui", "canonical_url": "https://lendb.ai/lo/billy-mui-471537", "json_url": "https://lendb.ai/lo/billy-mui-471537.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": "New York", "state": "NY" }, "headshot_url": "http://a.mktgcdn.com/p/uo4SKPOXOWziEtdpSadTRunsd3e3pCgq3RYaeC9Fk3w/600x900.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "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/ny/new-york/221-canal-st-hla-471537", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in New York, NY", "Likely federally registered (works at a bank). 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Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-19", "source_url": null } }, { "rank": 18, "score": 35.3, "loan_officer": { "nmls_id": 624470, "slug": "ruthie-xiang-624470", "full_name": "Ruthie Xiang", "canonical_url": "https://lendb.ai/lo/ruthie-xiang-624470", "json_url": "https://lendb.ai/lo/ruthie-xiang-624470.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": "Flushing", "state": "NY" }, "headshot_url": "http://a.mktgcdn.com/p/P_yoBg1qYnDSHWYz6GpfPlsW1_Ru2BTFyXKpkmtuZJY/800x1200.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": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "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": 10, "lender_profile_url": "https://homelendingadvisor.chase.com/ny/flushing/39-01-main-st-hla-624470", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-26)", "Office in Flushing, NY", "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/ruthie-xiang-624470", "license_check": { "state": "NY", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). 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