{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=de&state=FL",
  "filters": {
    "state": "FL",
    "lang": "de",
    "limit": 10
  },
  "count": 2,
  "results": [
    {
      "rank": 1,
      "score": 40,
      "loan_officer": {
        "nmls_id": 859319,
        "slug": "baris-evran-859319",
        "full_name": "Baris Evran",
        "canonical_url": "https://lendb.ai/lo/baris-evran-859319",
        "json_url": "https://lendb.ai/lo/baris-evran-859319.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": "Coral Gables",
          "state": "FL"
        },
        "headshot_url": "http://a.mktgcdn.com/p/9FiV2fXHDh_gvdrwvUARVVuz-Jzjd5GxwxRkuSORmJs/345x517.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "de",
          "tr"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "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": 18,
        "lender_profile_url": "https://homelendingadvisor.chase.com/fl/coral-gables/2740-coral-way-hla-859319",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks German (lender page, verified 2026-10-26)",
        "Office in Coral Gables, FL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 18 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/baris-evran-859319",
      "license_check": {
        "state": "FL",
        "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": 31,
      "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)",
        "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": "FL",
        "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
      }
    }
  ]
}