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      "reasons": [
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        "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/himal-budhathoki-2533208",
      "license_check": {
        "state": "NJ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NJ 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/himal-budhathoki-2533208"
      }
    }
  ]
}