{
  "canonical_url": "https://lendb.ai/lang/zh/tennessee",
  "summary": "As of 2026-10-09, LenDb lists 2 loan officers licensed in or based in Tennessee whose lender pages say they speak Chinese. The top-ranked are May Li (Loan Factory) and Yu \"Tony\" Cai (Loan Factory). Ranking is lender-neutral: a license in TN, 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": "TN",
  "total": 2,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 33,
      "loan_officer": {
        "nmls_id": 2643322,
        "slug": "may-li-2643322",
        "full_name": "May Li",
        "canonical_url": "https://lendb.ai/lo/may-li-2643322",
        "json_url": "https://lendb.ai/lo/may-li-2643322.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": "TN"
        },
        "headshot_url": "https://lh3.googleusercontent.com/0WwM5GXeCw54bz9d86_YIcY5HYrCRjhdRLEkRTA_um9f_VO3VPL3WO8tSgfsi4Oxf9_v3L5yvJ4MrDrhhCv847qWSVWOkmOipnSRQQ",
        "licensed_states": [
          "TN"
        ],
        "licenses": [
          {
            "state": "TN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "zh"
        ],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/may-li-2643322",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "Office in Tennessee",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/may-li-2643322",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/may-li-2643322"
      }
    },
    {
      "rank": 2,
      "score": 31.8,
      "loan_officer": {
        "nmls_id": 2558710,
        "slug": "yu-tony-cai-2558710",
        "full_name": "Yu \"Tony\" Cai",
        "canonical_url": "https://lendb.ai/lo/yu-tony-cai-2558710",
        "json_url": "https://lendb.ai/lo/yu-tony-cai-2558710.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": "TN"
        },
        "headshot_url": "https://lh3.googleusercontent.com/aUSiXEalAk0JlEy8TnPnAKcDrAGHEgEvDgUSZa2taFe9l6u0DDwywcFop99cS5vGlhUvXMJAx8ScBUSHfWG_7VkyfdnnpruG6P48",
        "licensed_states": [
          "TN"
        ],
        "licenses": [
          {
            "state": "TN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "zh"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/yu-tony-cai-2558710",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "Office in Tennessee",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/yu-tony-cai-2558710",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/yu-tony-cai-2558710"
      }
    }
  ]
}