{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=ar&state=SC",
  "filters": {
    "state": "SC",
    "lang": "ar",
    "limit": 10
  },
  "count": 1,
  "results": [
    {
      "rank": 1,
      "score": 23.8,
      "loan_officer": {
        "nmls_id": 1006920,
        "slug": "vivian-daniel-1006920",
        "full_name": "Vivian Daniel",
        "licensed_names": [
          {
            "name": "Vivian Daniel",
            "name_with_middle_initial": "Vivian E. Daniel",
            "first_name": "Vivian",
            "middle_initial": "E",
            "last_name": "Daniel",
            "states": [
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              "FL",
              "MD",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/vivian-daniel-1006920",
        "json_url": "https://lendb.ai/lo/vivian-daniel-1006920.json",
        "lender": {
          "nmls_id": 86548,
          "name": "First Heritage Mortgage",
          "slug": "first-heritage-mortgage-86548",
          "canonical_url": "https://lendb.ai/lender/first-heritage-mortgage-86548",
          "type": "imb"
        },
        "branch": {
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          "state": null
        },
        "headshot_url": "https://fhmtg.com/wp-content/uploads/2025/11/First-Heritage-Mortgage-Fairfax-Vivian-Daniel.png",
        "licensed_states": [
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          "TX",
          "DC",
          "GA",
          "MD",
          "NC",
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          "SC",
          "VA",
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        ],
        "licenses": [
          {
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            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
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          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
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        ],
        "specialties": [],
        "lender_offers": [
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          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "investor",
          "jumbo",
          "non-qm",
          "renovation",
          "usda",
          "va"
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        "employer_program_approvals": [
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            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
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        ],
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          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://fhmtg.com/officers/vivian-daniel/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Arabic (lender page, verified 2026-10-20)",
        "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 29, 2022 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/vivian-daniel-1006920",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://fhmtg.com/officers/vivian-daniel/"
      }
    }
  ]
}