{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=he&state=NY",
  "filters": {
    "state": "NY",
    "lang": "he",
    "limit": 10
  },
  "count": 1,
  "results": [
    {
      "rank": 1,
      "score": 33.5,
      "loan_officer": {
        "nmls_id": 2341290,
        "slug": "andrea-pearl-2341290",
        "full_name": "Andrea Pearl",
        "licensed_names": [
          {
            "name": "Andrea Pearl",
            "name_with_middle_initial": "Andrea S. Pearl",
            "first_name": "Andrea",
            "middle_initial": "S",
            "last_name": "Pearl",
            "states": [
              "FL",
              "NY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-13"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/andrea-pearl-2341290",
        "json_url": "https://lendb.ai/lo/andrea-pearl-2341290.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": "North Bellmore",
          "state": "NY"
        },
        "headshot_url": null,
        "licensed_states": [
          "FL"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": true,
        "languages": [
          "he",
          "ru"
        ],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "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": {
          "date": "2022-12-06",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 5,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/north-bellmore/1542-bellmore-ave-hla-2341290",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Hebrew (lender page, verified 2026-10-09)",
        "Office in North Bellmore, NY",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: December 6, 2022 (Florida), per state regulator",
        "States 5 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/andrea-pearl-2341290",
      "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": "2026-10-09",
        "source_url": null
      }
    }
  ]
}