{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=bn&state=NJ",
  "filters": {
    "state": "NJ",
    "lang": "bn",
    "limit": 10
  },
  "count": 1,
  "results": [
    {
      "rank": 1,
      "score": 21.3,
      "loan_officer": {
        "nmls_id": 2533208,
        "slug": "himal-budhathoki-2533208",
        "full_name": "Himal Budhathoki",
        "canonical_url": "https://lendb.ai/lo/himal-budhathoki-2533208",
        "json_url": "https://lendb.ai/lo/himal-budhathoki-2533208.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/0rWEKKUah09_OTBXxG4_GD_rhZ77zjogtcnV9SFEZJJvQZmgUEjsiUQQYMdnR5xqYp2mKvEtBM-MIIFAoItAbJjcSj-uNqUDHoQ9",
        "licensed_states": [
          "NJ",
          "VA"
        ],
        "licenses": [
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "bn",
          "en",
          "hi",
          "ne"
        ],
        "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/himal-budhathoki-2533208",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Bengali (lender page, verified 2026-10-09)",
        "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/himal-budhathoki-2533208",
      "license_check": {
        "state": "NJ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NJ 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/himal-budhathoki-2533208"
      }
    }
  ]
}