{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=de&state=CO",
  "filters": {
    "state": "CO",
    "lang": "de",
    "limit": 10
  },
  "count": 2,
  "results": [
    {
      "rank": 1,
      "score": 35,
      "loan_officer": {
        "nmls_id": 98183,
        "slug": "cristine-orzel-98183",
        "full_name": "Cristine Orzel",
        "licensed_names": [
          {
            "name": "Cristine Orzel",
            "name_with_middle_initial": "Cristine L. Orzel",
            "first_name": "Cristine",
            "middle_initial": "L",
            "last_name": "Orzel",
            "states": [
              "CO"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/cristine-orzel-98183",
        "json_url": "https://lendb.ai/lo/cristine-orzel-98183.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "slug": "loan-factory-320841",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
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          "state": null
        },
        "headshot_url": "https://lh3.googleusercontent.com/rXU7vGGG_GIJJIQ1yOw0s7dY-NlewDbHgnRDFYfYnVTZCOMOXy4C7SjGmN5r792YCTC3toGdaGgI93Be2aDX8bVgsKVwgEcI-_ROjg",
        "licensed_states": [
          "CO",
          "AZ"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "de",
          "en"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2007-05-30",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2007,
          "state": "CO"
        },
        "years_experience": 38,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/cristine-orzel-98183",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks German (lender page, verified 2026-10-09)",
        "Licensed in CO: confirmed with the Colorado regulator (license 100016362), verified 2026-10-16",
        "Earliest state license record: May 30, 2007 (Colorado), per state regulator",
        "States 38 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/cristine-orzel-98183",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100016362), verified 2026-10-16",
        "verified_at": "2026-10-16",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=145927&contact=101650"
      }
    },
    {
      "rank": 2,
      "score": 24.8,
      "loan_officer": {
        "nmls_id": 312260,
        "slug": "georg-thoma-312260",
        "full_name": "Georg Thoma",
        "licensed_names": [
          {
            "name": "Georg Thoma",
            "name_with_middle_initial": "Georg F. Thoma",
            "first_name": "Georg",
            "middle_initial": "F",
            "last_name": "Thoma",
            "states": [
              "CA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/georg-thoma-312260",
        "json_url": "https://lendb.ai/lo/georg-thoma-312260.json",
        "lender": {
          "nmls_id": 1276471,
          "name": "Kama'aina Mortgage Group Inc.",
          "slug": "kama-aina-mortgage-group-inc-1276471",
          "canonical_url": "https://lendb.ai/lender/kama-aina-mortgage-group-inc-1276471",
          "type": "imb"
        },
        "branch": {
          "city": "Honolulu",
          "state": "HI"
        },
        "headshot_url": "https://cdn.prod.website-files.com/692ed72deeca580e1cf7f297/6a146d092552349830e6dad7_Georg%20Thoma%201.webp",
        "licensed_states": [
          "CA",
          "CO",
          "FL",
          "HI",
          "NV",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "lender_reported"
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          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "de"
        ],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-12-06",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2023,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.kmghawaii.com/team-member/georg-thoma",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks German (lender page, verified 2026-10-15)",
        "CO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 6, 2023 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/georg-thoma-312260",
      "license_check": {
        "state": "CO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://www.kmghawaii.com/team-member/georg-thoma"
      }
    }
  ]
}