{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=de&state=CA",
  "filters": {
    "state": "CA",
    "lang": "de",
    "limit": 10
  },
  "count": 4,
  "results": [
    {
      "rank": 1,
      "score": 41,
      "loan_officer": {
        "nmls_id": 53715,
        "slug": "michael-tietz-53715",
        "full_name": "Michael Tietz",
        "canonical_url": "https://lendb.ai/lo/michael-tietz-53715",
        "json_url": "https://lendb.ai/lo/michael-tietz-53715.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": "San Diego",
          "state": "CA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/mPEGuCpxfJzgizY3o3HFuuG1sMqiTBnWO4KJc8eNZaA/669x1002.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "de"
        ],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "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": "2017-11-29",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": 29,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ca/san-diego/4111-governor-dr-hla-53715",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks German (lender page, verified 2026-10-26)",
        "Office in San Diego, CA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: November 29, 2017 (Florida), per state regulator",
        "States 29 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-tietz-53715",
      "license_check": {
        "state": "CA",
        "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": 2,
      "score": 39,
      "loan_officer": {
        "nmls_id": 668396,
        "slug": "arthur-biancone-668396",
        "full_name": "Arthur Biancone",
        "canonical_url": "https://lendb.ai/lo/arthur-biancone-668396",
        "json_url": "https://lendb.ai/lo/arthur-biancone-668396.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": "Santa Barbara",
          "state": "CA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/qgycKmHegYMwdewTcOfPDpWaorc6LinmKNPQmA5CZTM/3288x4925.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "de",
          "es"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "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": null,
        "licensed_since": null,
        "years_experience": 16,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ca/santa-barbara/1302-state-st-hla-668396",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks German (lender page, verified 2026-10-19)",
        "Office in Santa Barbara, CA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 16 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/arthur-biancone-668396",
      "license_check": {
        "state": "CA",
        "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": 30.5,
      "loan_officer": {
        "nmls_id": 485551,
        "slug": "james-andrew-kay-485551",
        "full_name": "James Andrew Kay",
        "canonical_url": "https://lendb.ai/lo/james-andrew-kay-485551",
        "json_url": "https://lendb.ai/lo/james-andrew-kay-485551.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": "El Segundo",
          "state": "CA"
        },
        "headshot_url": "https://dynl.mktgcdn.com/p/2d4aVJOVT7HOCE0st7myRenfNwN6BPjoAx6SBsD3VSo/600x450.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "de"
        ],
        "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/ca/el-segundo/james",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks German (lender page, verified 2026-10-19)",
        "Office in El Segundo, CA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/james-andrew-kay-485551",
      "license_check": {
        "state": "CA",
        "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": 30.3,
      "loan_officer": {
        "nmls_id": 2236254,
        "slug": "hamidreza-kamran-zare-2236254",
        "full_name": "Hamidreza (Kamran) Zare",
        "canonical_url": "https://lendb.ai/lo/hamidreza-kamran-zare-2236254",
        "json_url": "https://lendb.ai/lo/hamidreza-kamran-zare-2236254.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": "Menlo Park",
          "state": "CA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/07DfWOP4iZJjyuQI2WQpiv0Y47NKO_1tZypVxEkaPeg/621x931.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "de"
        ],
        "specialties": [
          {
            "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": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ca/menlo-park/650-santa-cruz-ave-hla-2236254",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks German (lender page, verified 2026-10-19)",
        "Office in Menlo Park, CA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/hamidreza-kamran-zare-2236254",
      "license_check": {
        "state": "CA",
        "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
      }
    }
  ]
}