{
  "canonical_url": "https://lendb.ai/lo/ning-chen-2473467",
  "loan_officer": {
    "nmls_id": 2473467,
    "slug": "ning-chen-2473467",
    "canonical_url": "https://lendb.ai/lo/ning-chen-2473467",
    "md_url": "https://lendb.ai/lo/ning-chen-2473467.md",
    "json_url": "https://lendb.ai/lo/ning-chen-2473467.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2473467",
    "full_name": {
      "value": "Ning Chen",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/ning-chen-2473467",
      "verified_at": "2026-10-09"
    },
    "first_name": "Ning",
    "last_name": "Chen",
    "headshot_url": {
      "value": "https://lh3.googleusercontent.com/3R0U-B3mamRIj_AB2bOphlTfJ7-GpziMiA1HH9zDzmhlpQAetN6IihxIY1wwUzWd-9mEKFP69BvFIugx16eu_A8ko538Qq9Uu14r2Q",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/ning-chen-2473467",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Ning is a retiring college professor teaching Software AI and FinTech who works part-time as an MLO to support his wife's real estate business. He focuses on helping clients obtain mortgages at the lowest rates.",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/ning-chen-2473467",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/ning-chen-2473467",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [
        "en",
        "zh"
      ],
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/ning-chen-2473467",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 60,
    "current_employment": {
      "lender_nmls_id": 320841,
      "lender_name": "Loan Factory",
      "lender_slug": "loan-factory-320841",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/ning-chen-2473467",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/ning-chen-2473467",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 320841,
        "lender_name": "Loan Factory",
        "lender_slug": "loan-factory-320841",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/ning-chen-2473467",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/ning-chen-2473467",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/ning-chen-2473467",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/ning-chen-75a0a8318/",
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/ning-chen-2473467",
        "verified_at": "2026-10-09"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "credential",
        "value": "Licensed in California",
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/ning-chen-2473467",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 06:12:26.111038+00",
    "disciplinary_check": "not_checked",
    "gated_contact": null,
    "licensed_since": null,
    "federal_registration": null
  }
}