{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=es&state=OR",
  "filters": {
    "state": "OR",
    "lang": "es",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 46.3,
      "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)",
        "Office in Salem, OR",
        "Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20",
        "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": "OR",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20",
        "verified_at": "2026-10-20",
        "source_url": "https://dfr.oregon.gov/"
      }
    },
    {
      "rank": 2,
      "score": 45.8,
      "loan_officer": {
        "nmls_id": 211163,
        "slug": "holly-smith-211163",
        "full_name": "Holly Smith",
        "licensed_names": [
          {
            "name": "Holly Smith",
            "name_with_middle_initial": "Holly F. Smith",
            "first_name": "Holly",
            "middle_initial": "F",
            "last_name": "Smith",
            "states": [
              "OR"
            ],
            "source": "state_regulator",
            "as_of": "2026-06-30"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/holly-smith-211163",
        "json_url": "https://lendb.ai/lo/holly-smith-211163.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "slug": "guild-mortgage-3274",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Albany",
          "state": "OR"
        },
        "headshot_url": "https://branches.guildmortgage.com/_next/image/?url=https%3A%2F%2Fwww.guildmortgage.com%2Flib%2Fuploads%2Fofficers%2Fprofile-photos%2Fwghs-holly-smith.jpg&w=384&q=75",
        "licensed_states": [
          "OR"
        ],
        "licenses": [
          {
            "state": "OR",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "itin",
          "jumbo",
          "low-credit",
          "manufactured",
          "new-construction",
          "physician",
          "renovation",
          "usda",
          "va",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2010-07-31",
          "state": "OR"
        },
        "licensed_since": {
          "year": 2010,
          "state": "OR"
        },
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/or/albany/holly-smith-315-wghs.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-26)",
        "Office in Albany, OR",
        "Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20",
        "Earliest state license record: July 31, 2010 (Oregon), per state regulator",
        "States 20 years of experience (lender page, 2026-10-26)"
      ],
      "canonical_url": "https://lendb.ai/lo/holly-smith-211163",
      "license_check": {
        "state": "OR",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20",
        "verified_at": "2026-10-20",
        "source_url": "https://dfr.oregon.gov/"
      }
    },
    {
      "rank": 3,
      "score": 45.8,
      "loan_officer": {
        "nmls_id": 442520,
        "slug": "trina-fangon-442520",
        "full_name": "Trina Fangon",
        "licensed_names": [
          {
            "name": "Trina Fangon",
            "name_with_middle_initial": "Trina S. Fangon",
            "first_name": "Trina",
            "middle_initial": "S",
            "last_name": "Fangon",
            "states": [
              "CA",
              "OR"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/trina-fangon-442520",
        "json_url": "https://lendb.ai/lo/trina-fangon-442520.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "slug": "union-home-mortgage-2229",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
          "type": "imb"
        },
        "branch": {
          "city": "Tigard",
          "state": "OR"
        },
        "headshot_url": "https://www.uhm.com/media/3982/trina-fangon-website.png",
        "licensed_states": [
          "CA",
          "OR",
          "WA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "bank-statement",
          "construction",
          "fha",
          "heloc",
          "self-employed",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-01-04",
          "state": "OR"
        },
        "licensed_since": {
          "year": 2023,
          "state": "OR"
        },
        "years_experience": 25,
        "lender_profile_url": "https://www.uhm.com/loan-officers/trina-fangon/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-14)",
        "Office in Tigard, OR",
        "Licensed in OR: confirmed with the Oregon regulator (license 442520), verified 2026-10-20",
        "Earliest state license record: January 4, 2023 (Oregon), per state regulator",
        "States 25 years of experience (lender page, 2026-10-14)"
      ],
      "canonical_url": "https://lendb.ai/lo/trina-fangon-442520",
      "license_check": {
        "state": "OR",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in OR: confirmed with the Oregon regulator (license 442520), verified 2026-10-20",
        "verified_at": "2026-10-20",
        "source_url": "https://dfr.oregon.gov/"
      }
    },
    {
      "rank": 4,
      "score": 45.3,
      "loan_officer": {
        "nmls_id": 302526,
        "slug": "claudia-chapman-302526",
        "full_name": "Claudia Chapman",
        "licensed_names": [
          {
            "name": "Claudia Chapman",
            "name_with_middle_initial": "Claudia P. Chapman",
            "first_name": "Claudia",
            "middle_initial": "P",
            "last_name": "Chapman",
            "states": [
              "OR"
            ],
            "source": "state_regulator",
            "as_of": "2026-06-30"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/claudia-chapman-302526",
        "json_url": "https://lendb.ai/lo/claudia-chapman-302526.json",
        "lender": {
          "nmls_id": 1770599,
          "name": "Advantage Mortgage, Inc.",
          "slug": "advantage-mortgage-inc-1770599",
          "canonical_url": "https://lendb.ai/lender/advantage-mortgage-inc-1770599",
          "type": "imb"
        },
        "branch": {
          "city": "Salem",
          "state": "OR"
        },
        "headshot_url": null,
        "licensed_states": [
          "OR"
        ],
        "licenses": [
          {
            "state": "OR",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2010-08-06",
          "state": "OR"
        },
        "licensed_since": {
          "year": 2010,
          "state": "OR"
        },
        "years_experience": 19,
        "lender_profile_url": "https://findtheadvantage.com/loan-officer/claudia_chapman/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-26)",
        "Office in Salem, OR",
        "Licensed in OR: confirmed with the Oregon regulator (license 302526), verified 2026-10-20",
        "Earliest state license record: August 6, 2010 (Oregon), per state regulator",
        "States 19 years of experience (lender page, 2026-10-26)"
      ],
      "canonical_url": "https://lendb.ai/lo/claudia-chapman-302526",
      "license_check": {
        "state": "OR",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in OR: confirmed with the Oregon regulator (license 302526), verified 2026-10-20",
        "verified_at": "2026-10-20",
        "source_url": "https://dfr.oregon.gov/"
      }
    },
    {
      "rank": 5,
      "score": 42.3,
      "loan_officer": {
        "nmls_id": 1395986,
        "slug": "eunice-parham-1395986",
        "full_name": "Eunice Parham",
        "licensed_names": [
          {
            "name": "Ruth Parham",
            "name_with_middle_initial": "Ruth E. Parham",
            "first_name": "Ruth",
            "middle_initial": "E",
            "last_name": "Parham",
            "states": [
              "AR",
              "OR",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-20"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/eunice-parham-1395986",
        "json_url": "https://lendb.ai/lo/eunice-parham-1395986.json",
        "lender": {
          "nmls_id": 1820,
          "name": "CMG Home Loans",
          "slug": "cmg-home-loans-1820",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
        },
        "branch": {
          "city": "Eugene",
          "state": "OR"
        },
        "headshot_url": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/eunice-parham.jpg",
        "licensed_states": [
          "TX",
          "AR",
          "OR"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "heloc",
          "investor",
          "jumbo",
          "low-credit",
          "new-construction",
          "renovation",
          "reverse",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-01-06",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2021,
          "state": "TX"
        },
        "years_experience": 12,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/ruth-parham",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "Office in Eugene, OR",
        "Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20",
        "Earliest state license record: January 6, 2021 (Texas), per state regulator",
        "States 12 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/eunice-parham-1395986",
      "license_check": {
        "state": "OR",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20",
        "verified_at": "2026-10-20",
        "source_url": "https://dfr.oregon.gov/"
      }
    },
    {
      "rank": 6,
      "score": 41.8,
      "loan_officer": {
        "nmls_id": 1539506,
        "slug": "steven-martinez-1539506",
        "full_name": "Steven Martinez",
        "canonical_url": "https://lendb.ai/lo/steven-martinez-1539506",
        "json_url": "https://lendb.ai/lo/steven-martinez-1539506.json",
        "lender": {
          "nmls_id": 439266,
          "name": "Banner Bank",
          "slug": "banner-bank-439266",
          "canonical_url": "https://lendb.ai/lender/banner-bank-439266",
          "type": "bank"
        },
        "branch": {
          "city": "Portland",
          "state": "OR"
        },
        "headshot_url": "https://a.mktgcdn.com/p/YM9jgNBHEfGbHL81VxJNMwGNua5EIrnMao9S-M47Cyw/304x375.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://loanofficers.bannerbank.com/or/portland/steven-martinez",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-16)",
        "Office in Portland, OR",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 20 years of experience (lender page, 2026-10-16)"
      ],
      "canonical_url": "https://lendb.ai/lo/steven-martinez-1539506",
      "license_check": {
        "state": "OR",
        "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": "2026-10-16",
        "source_url": null
      }
    },
    {
      "rank": 7,
      "score": 40.8,
      "loan_officer": {
        "nmls_id": 1635613,
        "slug": "rox-baltazar-1635613",
        "full_name": "Rox Baltazar",
        "licensed_names": [
          {
            "name": "Roxana Baltazar",
            "name_with_middle_initial": null,
            "first_name": "Roxana",
            "middle_initial": null,
            "last_name": "Baltazar",
            "states": [
              "OR"
            ],
            "source": "state_regulator",
            "as_of": "2026-06-30"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/rox-baltazar-1635613",
        "json_url": "https://lendb.ai/lo/rox-baltazar-1635613.json",
        "lender": {
          "nmls_id": 3182,
          "name": "Evergreen Home Loans",
          "slug": "evergreen-home-loans-3182",
          "canonical_url": "https://lendb.ai/lender/evergreen-home-loans-3182",
          "type": "imb"
        },
        "branch": {
          "city": "Portland",
          "state": "OR"
        },
        "headshot_url": "https://www.evergreenhomeloans.com/media/y5xbzas2/rox_baltazar_portland_oregon_loan_officer_evergreen_home_loans.jpg?anchor=center&mode=crop&width=475&height=475&rnd=134018216866770000",
        "licensed_states": [
          "OR"
        ],
        "licenses": [
          {
            "state": "OR",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-06-29",
          "state": "OR"
        },
        "licensed_since": {
          "year": 2017,
          "state": "OR"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.evergreenhomeloans.com/loan-officers/rox-baltazar",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-21)",
        "Office in Portland, OR",
        "Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20",
        "Earliest state license record: June 29, 2017 (Oregon), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/rox-baltazar-1635613",
      "license_check": {
        "state": "OR",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20",
        "verified_at": "2026-10-20",
        "source_url": "https://dfr.oregon.gov/"
      }
    },
    {
      "rank": 8,
      "score": 40.5,
      "loan_officer": {
        "nmls_id": 593089,
        "slug": "joe-martinez-593089",
        "full_name": "Joe Martinez",
        "canonical_url": "https://lendb.ai/lo/joe-martinez-593089",
        "json_url": "https://lendb.ai/lo/joe-martinez-593089.json",
        "lender": {
          "nmls_id": 61602,
          "name": "Mortgage Solutions of Colorado, LLC",
          "slug": "mortgage-solutions-of-colorado-llc-61602",
          "canonical_url": "https://lendb.ai/lender/mortgage-solutions-of-colorado-llc-61602",
          "type": "imb"
        },
        "branch": {
          "city": "Oregon City",
          "state": "OR"
        },
        "headshot_url": "https://mortgagesolutions.net/wp-content/uploads/2022/06/Jose-Gray-MSF-925x1024.jpg",
        "licensed_states": [
          "OR"
        ],
        "licenses": [
          {
            "state": "OR",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2018-01-18",
          "state": "OR"
        },
        "licensed_since": {
          "year": 2018,
          "state": "OR"
        },
        "years_experience": null,
        "lender_profile_url": "https://mortgagesolutions.net/loan-officers/joe-martinez/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-21)",
        "Office in Oregon City, OR",
        "Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20",
        "Earliest state license record: January 18, 2018 (Oregon), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/joe-martinez-593089",
      "license_check": {
        "state": "OR",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20",
        "verified_at": "2026-10-20",
        "source_url": "https://dfr.oregon.gov/"
      }
    },
    {
      "rank": 9,
      "score": 39.5,
      "loan_officer": {
        "nmls_id": 445583,
        "slug": "jose-eslava-guadarrama-445583",
        "full_name": "Ricky Guadarrama",
        "canonical_url": "https://lendb.ai/lo/jose-eslava-guadarrama-445583",
        "json_url": "https://lendb.ai/lo/jose-eslava-guadarrama-445583.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "slug": "american-pacific-mortgage-1850",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Portland",
          "state": "OR"
        },
        "headshot_url": null,
        "licensed_states": [
          "FL",
          "TX",
          "AZ",
          "CO",
          "OR",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "bank-statement",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "foreign-national",
          "heloc",
          "itin",
          "jumbo",
          "low-credit",
          "manufactured",
          "new-construction",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "self-employed",
          "usda",
          "va",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2018-04-05",
          "state": "OR"
        },
        "licensed_since": {
          "year": 2018,
          "state": "OR"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.apmortgage.com/ricky-guadarrama",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "Office in Portland, OR",
        "Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20",
        "Earliest state license record: April 5, 2018 (Oregon), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/jose-eslava-guadarrama-445583",
      "license_check": {
        "state": "OR",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20",
        "verified_at": "2026-10-20",
        "source_url": "https://dfr.oregon.gov/"
      }
    },
    {
      "rank": 10,
      "score": 39.5,
      "loan_officer": {
        "nmls_id": 498755,
        "slug": "joseph-portillo-498755",
        "full_name": "Joseph Portillo",
        "canonical_url": "https://lendb.ai/lo/joseph-portillo-498755",
        "json_url": "https://lendb.ai/lo/joseph-portillo-498755.json",
        "lender": {
          "nmls_id": 728368,
          "name": "Washington Trust Bank",
          "slug": "washington-trust-bank-728368",
          "canonical_url": "https://lendb.ai/lender/washington-trust-bank-728368",
          "type": "bank"
        },
        "branch": {
          "city": "Portland",
          "state": "OR"
        },
        "headshot_url": "https://www.watrust.com/assets/files/X9KVrNn8/Joseph-Portillo-260px.png",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 17,
        "lender_profile_url": "https://www.watrust.com/joseph-portillo",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-16)",
        "Office in Portland, OR",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 17 years of experience (lender page, 2026-10-16)"
      ],
      "canonical_url": "https://lendb.ai/lo/joseph-portillo-498755",
      "license_check": {
        "state": "OR",
        "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": "2026-10-16",
        "source_url": null
      }
    }
  ]
}