{
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  "filters": {
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    "lang": "hi",
    "limit": 10
  },
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  "results": [
    {
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      "score": 38,
      "loan_officer": {
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        "full_name": "Hetul Thakkar",
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          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
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        "languages": [
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        "earliest_license_record": {
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          "state": "IL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "IL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/hetul-thakkar-2157971",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Hindi (lender page, verified 2026-10-09)",
        "Office in Illinois",
        "Licensed in IL: confirmed with the Illinois regulator (license 31.0069801), verified 2026-10-28",
        "Earliest state license record: June 22, 2021 (Illinois), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/hetul-thakkar-2157971",
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        "state": "IL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in IL: confirmed with the Illinois regulator (license 31.0069801), verified 2026-10-28",
        "verified_at": "2026-10-28",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html"
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    {
      "rank": 2,
      "score": 37.8,
      "loan_officer": {
        "nmls_id": 425569,
        "slug": "arpan-shah-425569",
        "full_name": "Arpan Shah",
        "canonical_url": "https://lendb.ai/lo/arpan-shah-425569",
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        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "slug": "chase-399798",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
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        },
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          "city": "Chicago",
          "state": "IL"
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        "licensed_states": [],
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        "federal_registration_likely": true,
        "languages": [
          "es",
          "gu",
          "hi"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
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        ],
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 15,
        "lender_profile_url": "https://homelendingadvisor.chase.com/il/chicago/5134-n-clark-st-hla-425569",
        "disciplinary_check": "not_checked"
      },
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        "Speaks Hindi (lender page, verified 2026-10-19)",
        "Office in Chicago, IL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 15 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/arpan-shah-425569",
      "license_check": {
        "state": "IL",
        "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",
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    },
    {
      "rank": 3,
      "score": 36.8,
      "loan_officer": {
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        "slug": "shreejung-rai-2687895",
        "full_name": "Shreejung Rai",
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        "json_url": "https://lendb.ai/lo/shreejung-rai-2687895.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "slug": "crosscountry-mortgage-3029",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
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          "city": "Chicago",
          "state": "IL"
        },
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            "state": "IL",
            "confidence": "confirmed"
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        "languages": [
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          "hi",
          "ne"
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        "specialties": [
          {
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            "evidence": "lender_page_text"
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            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "refinance",
            "evidence": "lender_page_text"
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        ],
        "lender_offers": [
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          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda"
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            "as_of": "2026-08"
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          "state": "IL"
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        "licensed_since": {
          "year": 2025,
          "state": "IL"
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/chicago-il-7109/shreejung-rai/",
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        "Office in Chicago, IL",
        "Licensed in IL: confirmed with the Illinois regulator (license 31.0091025), verified 2026-10-28",
        "Earliest state license record: July 30, 2025 (Illinois), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/shreejung-rai-2687895",
      "license_check": {
        "state": "IL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in IL: confirmed with the Illinois regulator (license 31.0091025), verified 2026-10-28",
        "verified_at": "2026-10-28",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html"
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      "rank": 4,
      "score": 35.8,
      "loan_officer": {
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        "full_name": "Gurpreet Singh",
        "canonical_url": "https://lendb.ai/lo/gurpreet-singh-69361",
        "json_url": "https://lendb.ai/lo/gurpreet-singh-69361.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"
        },
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          "state": null
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        "licensed_states": [
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          "IL",
          "IN"
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        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
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          {
            "state": "IL",
            "confidence": "confirmed"
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          {
            "state": "IN",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "pa",
          "ur"
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        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
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            "slug": "va",
            "evidence": "lender_page_text"
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        ],
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        "years_licensed": null,
        "earliest_license_record": {
          "date": "2005-07-27",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2005,
          "state": "IL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://ensurehomeloans.com/loan-officers/gurpreet-singh-2",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Hindi (lender page, verified 2026-10-15)",
        "Licensed in IL: confirmed with the Illinois regulator (license 31.0006476), verified 2026-10-28",
        "Earliest state license record: July 27, 2005 (Illinois), per state regulator",
        "States 25 years of experience (lender page, 2026-10-15)"
      ],
      "canonical_url": "https://lendb.ai/lo/gurpreet-singh-69361",
      "license_check": {
        "state": "IL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in IL: confirmed with the Illinois regulator (license 31.0006476), verified 2026-10-28",
        "verified_at": "2026-10-28",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html"
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    },
    {
      "rank": 5,
      "score": 31,
      "loan_officer": {
        "nmls_id": 1632665,
        "slug": "bhawna-kapoor-1632665",
        "full_name": "Bhawna Kapoor",
        "canonical_url": "https://lendb.ai/lo/bhawna-kapoor-1632665",
        "json_url": "https://lendb.ai/lo/bhawna-kapoor-1632665.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": "Aurora",
          "state": "IL"
        },
        "headshot_url": "http://a.mktgcdn.com/p/IbN9cxMeQ1I_NAp8ILwJFTaevpS7YDS36PWM8V89CI8/306x458.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "hi"
        ],
        "specialties": [
          {
            "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": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/il/aurora/1188-n-eola-rd-hla-1632665",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Hindi (lender page, verified 2026-10-19)",
        "Office in Aurora, IL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/bhawna-kapoor-1632665",
      "license_check": {
        "state": "IL",
        "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
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    },
    {
      "rank": 6,
      "score": 30.3,
      "loan_officer": {
        "nmls_id": 443577,
        "slug": "nabila-wadwani-443577",
        "full_name": "Nabila Wadwani",
        "canonical_url": "https://lendb.ai/lo/nabila-wadwani-443577",
        "json_url": "https://lendb.ai/lo/nabila-wadwani-443577.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": "Chicago",
          "state": "IL"
        },
        "headshot_url": "http://a.mktgcdn.com/p/aLTy-Wd1MBCk15DWwXURM7HA0JxoHAWP580cN08qBI0/800x1200.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "gu",
          "hi",
          "ur"
        ],
        "specialties": [
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
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          {
            "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"
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        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/il/chicago/6131-n-lincoln-ave-hla-443577",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Speaks Hindi (lender page, verified 2026-10-19)",
        "Office in Chicago, IL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/nabila-wadwani-443577",
      "license_check": {
        "state": "IL",
        "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
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    },
    {
      "rank": 7,
      "score": 29.3,
      "loan_officer": {
        "nmls_id": 1206527,
        "slug": "rajani-kandula-1206527",
        "full_name": "Rajani Kandula",
        "canonical_url": "https://lendb.ai/lo/rajani-kandula-1206527",
        "json_url": "https://lendb.ai/lo/rajani-kandula-1206527.json",
        "lender": {
          "nmls_id": 399802,
          "name": "Bank of America",
          "slug": "bank-of-america-399802",
          "canonical_url": "https://lendb.ai/lender/bank-of-america-399802",
          "type": "bank"
        },
        "branch": {
          "city": "Morton Grove",
          "state": "IL"
        },
        "headshot_url": null,
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "hi"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "jumbo",
          "physician",
          "va"
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mortgage.bankofamerica.com/rajanikandula",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Hindi (lender page, verified 2026-10-19)",
        "Office in Morton Grove, IL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/rajani-kandula-1206527",
      "license_check": {
        "state": "IL",
        "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
      }
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  ]
}