{
  "canonical_url": "https://lendb.ai/lang/zh/texas",
  "summary": "As of 2026-10-26, LenDb lists 9 loan officers licensed in or based in Texas whose lender pages say they speak Chinese. The top-ranked are Susie Seymour (Loan Factory, Frisco), Xuemei Gong (Loan Factory) and Chien Papaelias (JPMorgan Chase Bank (Chase Home Lending), Houston). Ranking is lender-neutral: a license in TX, 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": "TX",
  "total": 9,
  "last_verified": "2026-10-26",
  "results": [
    {
      "rank": 1,
      "score": 45.5,
      "loan_officer": {
        "nmls_id": 2135893,
        "slug": "susie-seymour-2135893",
        "full_name": "Susie Seymour",
        "licensed_names": [
          {
            "name": "Susie Seymour",
            "name_with_middle_initial": "Susie C. Seymour",
            "first_name": "Susie",
            "middle_initial": "C",
            "last_name": "Seymour",
            "states": [
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-12"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/susie-seymour-2135893",
        "json_url": "https://lendb.ai/lo/susie-seymour-2135893.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": "Frisco",
          "state": "TX"
        },
        "headshot_url": "https://lh3.googleusercontent.com/1S_Kq8c-8Dc7QmqKVyTSfubSyKSbCFsDfleQGrCgpVBeMkfWgMuPrgqzhCToSaoI_Np6yNTT-pbb4R_ByYIdvXvASvwmfjgb6Rs",
        "licensed_states": [
          "CA",
          "TX"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "zh"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-02-16",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2022,
          "state": "TX"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/susie-seymour-2135893",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "Office in Frisco, TX",
        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "Earliest state license record: February 16, 2022 (Texas), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/susie-seymour-2135893",
      "license_check": {
        "state": "TX",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
      }
    },
    {
      "rank": 2,
      "score": 39.3,
      "loan_officer": {
        "nmls_id": 1537698,
        "slug": "xuemei-gong-1537698",
        "full_name": "Xuemei Gong",
        "canonical_url": "https://lendb.ai/lo/xuemei-gong-1537698",
        "json_url": "https://lendb.ai/lo/xuemei-gong-1537698.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": "TX"
        },
        "headshot_url": "https://lh3.googleusercontent.com/11dcJg5lVBVLV-Mpwd0ANJOAQGOlAeswPJVMy4CWfm5cqqHpyjlCr6OzIJLReU1y84ppM3G-5iP25ZII4LiVKLQmIjJZWLRfSye5",
        "licensed_states": [
          "TX"
        ],
        "licenses": [
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "zh"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-01-23",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2017,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/xuemei-gong-1537698",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "Office in Texas",
        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "Earliest state license record: January 23, 2017 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/xuemei-gong-1537698",
      "license_check": {
        "state": "TX",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
      }
    },
    {
      "rank": 3,
      "score": 38.5,
      "loan_officer": {
        "nmls_id": 2692859,
        "slug": "chien-papaelias-2692859",
        "full_name": "Chien Papaelias",
        "canonical_url": "https://lendb.ai/lo/chien-papaelias-2692859",
        "json_url": "https://lendb.ai/lo/chien-papaelias-2692859.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": "Houston",
          "state": "TX"
        },
        "headshot_url": "http://a.mktgcdn.com/p/Q4TN4T7IdgMzAmVPbumLtx85McRXHW9eznk6tOtJke0/333x499.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "zh"
        ],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "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/tx/houston/9309-katy-fwy-hla-2692859",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-19)",
        "Office in Houston, TX",
        "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/chien-papaelias-2692859",
      "license_check": {
        "state": "TX",
        "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": 38,
      "loan_officer": {
        "nmls_id": 2020702,
        "slug": "alex-tang-2020702",
        "full_name": "Alex Tang",
        "canonical_url": "https://lendb.ai/lo/alex-tang-2020702",
        "json_url": "https://lendb.ai/lo/alex-tang-2020702.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": "TX"
        },
        "headshot_url": "https://lh3.googleusercontent.com/GX721DccXpyppp65gyccW4Ri2Y8BYNpF4-d6pqd3rNxWHW4ScHQaTbFTpb2YErLtmzMFfT1JJd7vP3Zs_l5S02XKfTnxng1TmZfG",
        "licensed_states": [
          "TX"
        ],
        "licenses": [
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "zh"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-03-10",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2021,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/alex-tang-2020702",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "Office in Texas",
        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "Earliest state license record: March 10, 2021 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/alex-tang-2020702",
      "license_check": {
        "state": "TX",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
      }
    },
    {
      "rank": 5,
      "score": 35.5,
      "loan_officer": {
        "nmls_id": 2126133,
        "slug": "flora-huang-2126133",
        "full_name": "Flora Huang",
        "canonical_url": "https://lendb.ai/lo/flora-huang-2126133",
        "json_url": "https://lendb.ai/lo/flora-huang-2126133.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": "TX"
        },
        "headshot_url": "https://lh3.googleusercontent.com/VvvBa76mDCD0lhb4dJ_YfrEFF7L7v7KCDKT3ptRkFwmLPv2V44Om5JkhWZf4blNWR65OqkD6dKupuL-5Fbv3M21xqJA6NTaldzRnSw",
        "licensed_states": [
          "TX"
        ],
        "licenses": [
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "zh"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2026-04-20",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2026,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/flora-huang-2126133",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-09)",
        "Office in Texas",
        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "Earliest state license record: April 20, 2026 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/flora-huang-2126133",
      "license_check": {
        "state": "TX",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
      }
    },
    {
      "rank": 6,
      "score": 32.8,
      "loan_officer": {
        "nmls_id": 2084035,
        "slug": "angelina-li-2084035",
        "full_name": "Angelina Li",
        "licensed_names": [
          {
            "name": "Angelina Li",
            "name_with_middle_initial": "Angelina J. Li",
            "first_name": "Angelina",
            "middle_initial": "J",
            "last_name": "Li",
            "states": [
              "FL",
              "NY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-13"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/angelina-li-2084035",
        "json_url": "https://lendb.ai/lo/angelina-li-2084035.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": "Grand Prairie",
          "state": "TX"
        },
        "headshot_url": "http://a.mktgcdn.com/p/ohxn2DKrfDAcu37Li0wjtfm2X-mhOVRkuJbnkp4lfA8/693x1039.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "zh"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "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": {
          "date": "2021-03-15",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/tx/grand-prairie/700-e-main-st-hla-2084035",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-26)",
        "Office in Grand Prairie, TX",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: March 15, 2021 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/angelina-li-2084035",
      "license_check": {
        "state": "TX",
        "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": 7,
      "score": 30,
      "loan_officer": {
        "nmls_id": 528811,
        "slug": "fiona-cheung-528811",
        "full_name": "Fiona Cheung",
        "canonical_url": "https://lendb.ai/lo/fiona-cheung-528811",
        "json_url": "https://lendb.ai/lo/fiona-cheung-528811.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": "Sugar Land",
          "state": "TX"
        },
        "headshot_url": "https://images.em.bankofamerica.com/AMP/5FF2DC53-98DB-43F9-8F2B-3487C8B1110E.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": null,
        "lender_profile_url": "https://mortgage.bankofamerica.com/f-cheung",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-19)",
        "Office in Sugar Land, TX",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/fiona-cheung-528811",
      "license_check": {
        "state": "TX",
        "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": 24.5,
      "loan_officer": {
        "nmls_id": 2267181,
        "slug": "lijun-hague-2267181",
        "full_name": "Lijun Hague",
        "canonical_url": "https://lendb.ai/lo/lijun-hague-2267181",
        "json_url": "https://lendb.ai/lo/lijun-hague-2267181.json",
        "lender": {
          "nmls_id": 1216108,
          "name": "Zero Point Mortgage Services",
          "slug": "zero-point-mortgage-services-1216108",
          "canonical_url": "https://lendb.ai/lender/zero-point-mortgage-services-1216108",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://irp.cdn-website.com/99454db7/dms3rep/multi/opt/lijun-hague-1920w.png",
        "licensed_states": [
          "AZ",
          "CA",
          "CO",
          "FL",
          "NM",
          "OR",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "zh"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-07-15",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2022,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.zpmloans.com/ZPM-Officers/lijun-hague",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Chinese (lender page, verified 2026-10-15)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 15, 2022 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/lijun-hague-2267181",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://www.zpmloans.com/ZPM-Officers/lijun-hague"
      }
    },
    {
      "rank": 9,
      "score": 24.3,
      "loan_officer": {
        "nmls_id": 1448106,
        "slug": "hong-vong-1448106",
        "full_name": "Hong Vong",
        "licensed_names": [
          {
            "name": "Hong Vong",
            "name_with_middle_initial": "Hong S. Vong",
            "first_name": "Hong",
            "middle_initial": "S",
            "last_name": "Vong",
            "states": [
              "CA",
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-15"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/hong-vong-1448106",
        "json_url": "https://lendb.ai/lo/hong-vong-1448106.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/OC7IfKqd_HmZDbA9a21TTVBBTTgWMsyrechP1HaXFonE79pNsuP9jD46fdBBa-iBBG4aUsftWWIxUYT8RCWnaTEovRGSS1HBEVI",
        "licensed_states": [
          "CA",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
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}