---
canonical_url: https://lendb.ai/lang/zh/north-carolina
last_verified: 2026-10-15
---

# Chinese-speaking loan officers in North Carolina

As of 2026-10-15, LenDb lists 2 loan officers licensed in or based in North Carolina whose lender pages say they speak Chinese. The top-ranked are James Chen (Cliffco, Inc., Uniondale) and Rosette Xu (Loan Factory). Ranking is lender-neutral: a license in NC, 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.

## Ranked, with reasons

1. **[James Chen](https://lendb.ai/lo/jen-chi-chen-17991)** (NMLS 17991), Cliffco, Inc., Uniondale, NY
   - Speaks Chinese (lender page, verified 2026-10-15)
   - NC 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
2. **[Rosette Xu](https://lendb.ai/lo/rosette-xu-1838793)** (NMLS 1838793), Loan Factory
   - Speaks Chinese (lender page, verified 2026-10-09)
   - NC 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

Cite as: LenDb.ai, https://lendb.ai/lang/zh/north-carolina.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._