{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=fr&state=NY",
  "filters": {
    "state": "NY",
    "lang": "fr",
    "limit": 10
  },
  "count": 2,
  "results": [
    {
      "rank": 1,
      "score": 38,
      "loan_officer": {
        "nmls_id": 624454,
        "slug": "dakova-j-duverseau-624454",
        "full_name": "Dakova J Duverseau",
        "canonical_url": "https://lendb.ai/lo/dakova-j-duverseau-624454",
        "json_url": "https://lendb.ai/lo/dakova-j-duverseau-624454.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": "Brooklyn",
          "state": "NY"
        },
        "headshot_url": "http://a.mktgcdn.com/p/47I6N-FWoN6VMYNjPx8uUe4oTaBnI_bL84yzrW3QZSs/834x1250.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "fr"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "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": 14,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/brooklyn/444-5th-ave-hla-624454",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks French (lender page, verified 2026-10-19)",
        "Office in Brooklyn, NY",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 14 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/dakova-j-duverseau-624454",
      "license_check": {
        "state": "NY",
        "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": 2,
      "score": 35.5,
      "loan_officer": {
        "nmls_id": 68184,
        "slug": "nelson-dasilva-68184",
        "full_name": "Nelson DaSilva",
        "canonical_url": "https://lendb.ai/lo/nelson-dasilva-68184",
        "json_url": "https://lendb.ai/lo/nelson-dasilva-68184.json",
        "lender": {
          "nmls_id": 2764,
          "name": "Total Mortgage Services",
          "slug": "total-mortgage-services-2764",
          "canonical_url": "https://lendb.ai/lender/total-mortgage-services-2764",
          "type": "imb"
        },
        "branch": {
          "city": "Milford",
          "state": "CT"
        },
        "headshot_url": "https://www.totalmortgage.com/_next/image?url=https%3A%2F%2Fwww.totalmortgage.com%2Fstatic%2Fuploads%2Fheadshots%2FNelson_DaSilva_68184%2FNelson_DaSilva_1784045595694_small.jpg&w=640&q=75",
        "licensed_states": [
          "FL",
          "NY",
          "CT"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es",
          "fr",
          "it",
          "pt"
        ],
        "specialties": [],
        "lender_offers": [
          "co-op",
          "construction",
          "fha",
          "heloc",
          "jumbo",
          "low-credit",
          "non-qm",
          "renovation",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-03-08",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": 22,
        "lender_profile_url": "https://www.totalmortgage.com/bankers/nelson-dasilva",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks French (lender page, verified 2026-10-21)",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: March 8, 2017 (Florida), per state regulator",
        "States 22 years of experience (lender page, 2026-10-21)"
      ],
      "canonical_url": "https://lendb.ai/lo/nelson-dasilva-68184",
      "license_check": {
        "state": "NY",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "verified_at": "2026-10-14",
        "source_url": "https://www.dfs.ny.gov/"
      }
    }
  ]
}