{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=hr&state=AZ",
  "filters": {
    "state": "AZ",
    "lang": "hr",
    "limit": 10
  },
  "count": 1,
  "results": [
    {
      "rank": 1,
      "score": 23.5,
      "loan_officer": {
        "nmls_id": 2102856,
        "slug": "daniel-lacic-2102856",
        "full_name": "Daniel Lacic",
        "canonical_url": "https://lendb.ai/lo/daniel-lacic-2102856",
        "json_url": "https://lendb.ai/lo/daniel-lacic-2102856.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "slug": "loan-factory-320841",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
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          "state": "WA"
        },
        "headshot_url": "https://lh3.googleusercontent.com/hzRqNfcwrr6C1Ul0OuLx3wvlSLzDSDy3-bJVmJjm4ai7izdGzogE3DSzetnLO16kRvLraOFA0njRGhnQALCAd9Va5e0d2wtTqR3y",
        "licensed_states": [
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          "TX",
          "WA",
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            "confidence": "lender_reported"
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            "confidence": "confirmed"
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            "confidence": "confirmed"
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            "confidence": "lender_reported"
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        "languages": [
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          "hr",
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          "state": "OR"
        },
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          "state": "OR"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/daniel-lacic-2102856",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Croatian (lender page, verified 2026-10-09)",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 13, 2023 (Oregon), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-lacic-2102856",
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        "eligible": true,
        "label": "AZ 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/daniel-lacic-2102856"
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}