{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=es&state=HI",
  "filters": {
    "state": "HI",
    "lang": "es",
    "limit": 10
  },
  "count": 4,
  "results": [
    {
      "rank": 1,
      "score": 33.3,
      "loan_officer": {
        "nmls_id": 404540,
        "slug": "steven-hernandez-404540",
        "full_name": "Steven Hernandez",
        "canonical_url": "https://lendb.ai/lo/steven-hernandez-404540",
        "json_url": "https://lendb.ai/lo/steven-hernandez-404540.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "slug": "crosscountry-mortgage-3029",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Salem",
          "state": "OR"
        },
        "headshot_url": "https://thevault.ccm.com/asset/a55a1924-5239-451c-a2df-87e6c94b15e0/Website/5514_Hernandez_404540.jpg",
        "licensed_states": [
          "OR",
          "HI",
          "WA"
        ],
        "licenses": [
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "refinance",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2018-04-10",
          "state": "OR"
        },
        "licensed_since": {
          "year": 2018,
          "state": "OR"
        },
        "years_experience": 27,
        "lender_profile_url": "https://crosscountrymortgage.com/salem-or-5570/steven-hernandez/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-22)",
        "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 10, 2018 (Oregon), per state regulator",
        "States 27 years of experience (lender page, 2026-10-22)"
      ],
      "canonical_url": "https://lendb.ai/lo/steven-hernandez-404540",
      "license_check": {
        "state": "HI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-22",
        "source_url": "https://crosscountrymortgage.com/salem-or-5570/steven-hernandez/"
      }
    },
    {
      "rank": 2,
      "score": 33.3,
      "loan_officer": {
        "nmls_id": 2694889,
        "slug": "eddy-salas-2694889",
        "full_name": "Eddy Salas",
        "canonical_url": "https://lendb.ai/lo/eddy-salas-2694889",
        "json_url": "https://lendb.ai/lo/eddy-salas-2694889.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/692ed72deeca580e1cf7f297/6a146307af75bc750ff967e6_Eddy%20Salas%201.webp",
        "licensed_states": [
          "CA",
          "CO",
          "FL",
          "HI",
          "NV",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.kmghawaii.com/team-member/eddy-salas",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "Office in Honolulu, HI",
        "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/eddy-salas-2694889",
      "license_check": {
        "state": "HI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "HI 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/eddy-salas"
      }
    },
    {
      "rank": 3,
      "score": 32,
      "loan_officer": {
        "nmls_id": 1952782,
        "slug": "dipali-shah-1952782",
        "full_name": "DiPali Shah",
        "licensed_names": [
          {
            "name": "DiPali Shah",
            "name_with_middle_initial": "DiPali N. Shah",
            "first_name": "DiPali",
            "middle_initial": "N",
            "last_name": "Shah",
            "states": [
              "CA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/dipali-shah-1952782",
        "json_url": "https://lendb.ai/lo/dipali-shah-1952782.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/j-gwR8Mbf3ny_xEYz2ujELEwamUpIdONL6vTfykNUwBnTHnIDBc9ZlAwIf4-vgNwHxgi3v16mwLnzQRH-D4yzPGvx5-VRIRaeZo9",
        "licensed_states": [
          "CA",
          "HI"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es",
          "gu",
          "zh"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-07-24",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2025,
          "state": "CA"
        },
        "years_experience": 28,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/dipali-shah-1952782",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-09)",
        "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 24, 2025 (California), per state regulator",
        "States 28 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/dipali-shah-1952782",
      "license_check": {
        "state": "HI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "HI 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/dipali-shah-1952782"
      }
    },
    {
      "rank": 4,
      "score": 22.8,
      "loan_officer": {
        "nmls_id": 247682,
        "slug": "vinay-swali-247682",
        "full_name": "Vinay Swali",
        "canonical_url": "https://lendb.ai/lo/vinay-swali-247682",
        "json_url": "https://lendb.ai/lo/vinay-swali-247682.json",
        "lender": {
          "nmls_id": 1666674,
          "name": "ENSURE HOME LOANS LLC",
          "slug": "ensure-home-loans-llc-1666674",
          "canonical_url": "https://lendb.ai/lender/ensure-home-loans-llc-1666674",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://bjrpqrnsxfdkicxrvani.supabase.co/storage/v1/object/public/officer-photos/onboard/1779485200248-vqzcfbxq4nk.jpg",
        "licensed_states": [
          "CA",
          "DC",
          "FL",
          "HI",
          "MD",
          "NC",
          "NJ",
          "SC",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es",
          "hi"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://ensurehomeloans.com/loan-officers/vinay-swali-2",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/vinay-swali-247682",
      "license_check": {
        "state": "HI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://ensurehomeloans.com/loan-officers/vinay-swali-2"
      }
    }
  ]
}