{ "canonical_url": "https://lendb.ai/lang/zh/washington", "summary": "As of 2026-10-19, LenDb lists 29 loan officers licensed in or based in Washington whose lender pages say they speak Chinese. The top-ranked are Jason Yan (JPMorgan Chase Bank (Chase Home Lending), Bellevue), Harrison Lee (JPMorgan Chase Bank (Chase Home Lending), Seattle) and Ying Cai (JPMorgan Chase Bank (Chase Home Lending), Newcastle). Ranking is lender-neutral: a license in WA, 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": "WA", "total": 29, "last_verified": "2026-10-19", "results": [ { "rank": 1, "score": 35, "loan_officer": { "nmls_id": 1736861, "slug": "jason-yan-1736861", "full_name": "Jason Yan", "canonical_url": "https://lendb.ai/lo/jason-yan-1736861", "json_url": "https://lendb.ai/lo/jason-yan-1736861.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": "Bellevue", "state": "WA" }, "headshot_url": "http://a.mktgcdn.com/p/Seo96VPEBArszdp0fNfZwPmWGKRyO-De2BzhsKHV3FE/723x1083.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [ { "slug": "self-employed", "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": 8, "lender_profile_url": "https://homelendingadvisor.chase.com/wa/bellevue/3919-factoria-blvd-se-hla-1736861", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in Bellevue, WA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 8 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jason-yan-1736861", "license_check": { "state": "WA", "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": 34.5, "loan_officer": { "nmls_id": 1311628, "slug": "harrison-lee-1311628", "full_name": "Harrison Lee", "canonical_url": "https://lendb.ai/lo/harrison-lee-1311628", "json_url": "https://lendb.ai/lo/harrison-lee-1311628.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": "Seattle", "state": "WA" }, "headshot_url": "http://a.mktgcdn.com/p/HEoN7rJQae841T_Dd8VjD1DSSf2Cj_yT0kWZKW0rj-4/200x300.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es", "ru", "zh" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "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": 7, "lender_profile_url": "https://homelendingadvisor.chase.com/wa/seattle/350-westlake-ave-n-hla-1311628", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in Seattle, WA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 7 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/harrison-lee-1311628", "license_check": { "state": "WA", "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": 33.3, "loan_officer": { "nmls_id": 2157327, "slug": "ying-cai-2157327", "full_name": "Ying Cai", "canonical_url": "https://lendb.ai/lo/ying-cai-2157327", "json_url": "https://lendb.ai/lo/ying-cai-2157327.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": "Newcastle", "state": "WA" }, "headshot_url": null, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [ { "slug": "self-employed", "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": { "date": "2021-08-12", "state": "CA" }, "licensed_since": { "year": 2021, "state": "CA" }, "years_experience": 6, "lender_profile_url": "https://homelendingadvisor.chase.com/wa/newcastle/13033-se-69th-way-hla-2157327", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in Newcastle, WA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Earliest state license record: August 12, 2021 (California), per state regulator", "States 6 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/ying-cai-2157327", "license_check": { "state": "WA", "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": 31.8, "loan_officer": { "nmls_id": 942978, "slug": "kevin-dang-942978", "full_name": "Kevin Dang", "canonical_url": "https://lendb.ai/lo/kevin-dang-942978", "json_url": "https://lendb.ai/lo/kevin-dang-942978.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": "WA" }, "headshot_url": "https://lh3.googleusercontent.com/-Vji_O76sg0eqjjIHWbbfavTFhIjsesLlUfyy-EK8TrCKZ4A4-NA3AUSAnCWJtCP1JrfQrfGSdLB7fA1NNxUBPhShy8FQZebSEu_", "licensed_states": [ "WA" ], "licenses": [ { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "vi", "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/kevin-dang-942978", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-09)", "Office in Washington", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/kevin-dang-942978", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA 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/kevin-dang-942978" } }, { "rank": 5, "score": 31.8, "loan_officer": { "nmls_id": 2019191, "slug": "li-ning-2019191", "full_name": "Li Ning", "canonical_url": "https://lendb.ai/lo/li-ning-2019191", "json_url": "https://lendb.ai/lo/li-ning-2019191.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": "WA" }, "headshot_url": "https://lh3.googleusercontent.com/wfTeMFTbJcBZofA3ZDSFDdB98sjVEBoUYBeADWGXCg1DG9V2qOnxN3tq6NEL67DgH1Q_baaYblu4wZBETY-i-pt36d8ZxgWz6KY", "licensed_states": [ "WA" ], "licenses": [ { "state": "WA", "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/li-ning-2019191", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-09)", "Office in Washington", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/li-ning-2019191", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA 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/li-ning-2019191" } }, { "rank": 6, "score": 31.8, "loan_officer": { "nmls_id": 2518612, "slug": "kuan-yao-wang-2518612", "full_name": "Kuan Yao Wang", "canonical_url": "https://lendb.ai/lo/kuan-yao-wang-2518612", "json_url": "https://lendb.ai/lo/kuan-yao-wang-2518612.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": "WA" }, "headshot_url": "https://lh3.googleusercontent.com/6kqFBj6lcda7oBKErOmcSyuOZFUCPijyMaFT7WPGlL8rQrsyiYbKUrlX5zFuXq8rQ-mFCUb0oe857F-ssEYg3xsL3cYmDe_QJI5x", "licensed_states": [ "WA" ], "licenses": [ { "state": "WA", "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/kuan-yao-wang-2518612", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-09)", "Office in Washington", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/kuan-yao-wang-2518612", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA 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/kuan-yao-wang-2518612" } }, { "rank": 7, "score": 31, "loan_officer": { "nmls_id": 2470720, "slug": "shiyan-liu-2470720", "full_name": "Shiyan Liu", "canonical_url": "https://lendb.ai/lo/shiyan-liu-2470720", "json_url": "https://lendb.ai/lo/shiyan-liu-2470720.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": "Bellevue", "state": "WA" }, "headshot_url": "http://a.mktgcdn.com/p/VSHT3kgkGjjdfA4n4or7cHzALtlx8Wvq1qmq3pP5n5E/723x1083.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "self-employed", "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": null, "lender_profile_url": "https://homelendingadvisor.chase.com/wa/bellevue/123-bellevue-way-ne-hla-2470720", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in Bellevue, WA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/shiyan-liu-2470720", "license_check": { "state": "WA", "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": 30.5, "loan_officer": { "nmls_id": 1223737, "slug": "yang-yang-1223737", "full_name": "Yang Yang", "canonical_url": "https://lendb.ai/lo/yang-yang-1223737", "json_url": "https://lendb.ai/lo/yang-yang-1223737.json", "lender": { "nmls_id": 399801, "name": "Wells Fargo Home Mortgage", "slug": "wells-fargo-399801", "canonical_url": "https://lendb.ai/lender/wells-fargo-399801", "type": "bank" }, "branch": { "city": "Bellevue", "state": "WA" }, "headshot_url": "https://dynl.mktgcdn.com/p/B_oqMD02Fg5SrC6O4G2E2-W4JNZqrRLdCWmnQ49rXH0/600x450.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "zh" ], "specialties": [], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "jumbo", "va" ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homeloans.wellsfargo.com/mortgage/wa/bellevue/yang", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in Bellevue, WA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/yang-yang-1223737", "license_check": { "state": "WA", "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": 30, "loan_officer": { "nmls_id": 2539554, "slug": "laurel-gao-2539554", "full_name": "Laurel Gao", "canonical_url": "https://lendb.ai/lo/laurel-gao-2539554", "json_url": "https://lendb.ai/lo/laurel-gao-2539554.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": "Issaquah", "state": "WA" }, "headshot_url": "https://images.em.bankofamerica.com/AMP/DEDAB08B-7319-4A48-B8D6-05771D14823A.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/laurel-gao", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in Issaquah, WA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/laurel-gao-2539554", "license_check": { "state": "WA", "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": 30, "loan_officer": { "nmls_id": 2835140, "slug": "fanghao-chen-2835140", "full_name": "Fanghao Chen", "canonical_url": "https://lendb.ai/lo/fanghao-chen-2835140", "json_url": "https://lendb.ai/lo/fanghao-chen-2835140.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": "Seattle", "state": "WA" }, "headshot_url": "https://images.em.bankofamerica.com/AMP/D45E992E-FBFB-4E30-819F-C614D6D08331.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/fanghao-chen", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in Seattle, WA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/fanghao-chen-2835140", "license_check": { "state": "WA", "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": 29.3, "loan_officer": { "nmls_id": 1539344, "slug": "mark-liu-1539344", "full_name": "Mark Liu", "canonical_url": "https://lendb.ai/lo/mark-liu-1539344", "json_url": "https://lendb.ai/lo/mark-liu-1539344.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": "Redmond", "state": "WA" }, "headshot_url": null, "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/wengi-liu", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-19)", "Office in Redmond, WA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/mark-liu-1539344", "license_check": { "state": "WA", "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": 12, "score": 27, "loan_officer": { "nmls_id": 2538542, "slug": "quan-li-2538542", "full_name": "Quan Li", "canonical_url": "https://lendb.ai/lo/quan-li-2538542", "json_url": "https://lendb.ai/lo/quan-li-2538542.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/MOieYm4Kmdn2lhm9FJvrAP15ATZBsRozB06C3VRoMIs-w_k4Ay-NQaqds7HceGaQYXEhp85em4C2wneBgcctKS4QzN7Yvj8Lu4xI", "licensed_states": [ "TX", "WA" ], "licenses": [ { "state": "TX", "confidence": "confirmed" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "zh" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2025-04-17", "state": "TX" }, "licensed_since": { "year": 2025, "state": "TX" }, "years_experience": 10, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/quan-li-2538542", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Chinese (lender page, verified 2026-10-09)", "WA listed on their lender page (not yet checked with the state regulator; 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