{
  "canonical_url": "https://lendb.ai/lang/zh/south-carolina",
  "summary": "As of 2026-10-15, LenDb lists 1 loan officer licensed in or based in South Carolina whose lender pages say they speak Chinese. The top-ranked is James Chen (Cliffco, Inc., Uniondale). Ranking is lender-neutral: a license in SC, 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": "SC",
  "total": 1,
  "last_verified": "2026-10-15",
  "results": [
    {
      "rank": 1,
      "score": 23.8,
      "loan_officer": {
        "nmls_id": 17991,
        "slug": "jen-chi-chen-17991",
        "full_name": "James Chen",
        "canonical_url": "https://lendb.ai/lo/jen-chi-chen-17991",
        "json_url": "https://lendb.ai/lo/jen-chi-chen-17991.json",
        "lender": {
          "nmls_id": 65328,
          "name": "Cliffco, Inc.",
          "slug": "cliffco-inc-65328",
          "canonical_url": "https://lendb.ai/lender/cliffco-inc-65328",
          "type": "imb"
        },
        "branch": {
          "city": "Uniondale",
          "state": "NY"
        },
        "headshot_url": "https://cliffcomortgage.com/wp-content/uploads/2024/12/JAMES_CHEN-1024x943.webp",
        "licensed_states": [
          "FL",
          "TX",
          "NY",
          "AZ",
          "CT",
          "GA",
          "MD",
          "NC",
          "NJ",
          "OR",
          "PA",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "zh"
        ],
        "specialties": [],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-01-12",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2024,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://cliffcomortgage.com/jchen/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-15)",
        "SC 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"
      ],
      "canonical_url": "https://lendb.ai/lo/jen-chi-chen-17991",
      "license_check": {
        "state": "SC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://cliffcomortgage.com/jchen/"
      }
    }
  ]
}