{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=pa&state=PA",
  "filters": {
    "state": "PA",
    "lang": "pa",
    "limit": 10
  },
  "count": 4,
  "results": [
    {
      "rank": 1,
      "score": 27.5,
      "loan_officer": {
        "nmls_id": 1571430,
        "slug": "soni-seth-1571430",
        "full_name": "Soni Seth",
        "canonical_url": "https://lendb.ai/lo/soni-seth-1571430",
        "json_url": "https://lendb.ai/lo/soni-seth-1571430.json",
        "lender": {
          "nmls_id": 338923,
          "name": "AnnieMac Home Mortgage",
          "slug": "anniemac-home-mortgage-338923",
          "canonical_url": "https://lendb.ai/lender/anniemac-home-mortgage-338923",
          "type": "imb"
        },
        "branch": {
          "city": "Hauppauge",
          "state": "NY"
        },
        "headshot_url": "https://annie-mac.com/wp-content/uploads/amweb_headshots/1571430_compressed.webp",
        "licensed_states": [
          "FL",
          "NY",
          "CT",
          "DE",
          "PA"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "pa"
        ],
        "specialties": [],
        "lender_offers": [
          "bank-statement",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "foreign-national",
          "heloc",
          "investor",
          "itin",
          "jumbo",
          "manufactured",
          "new-construction",
          "non-qm",
          "renovation",
          "self-employed",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-11-07",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://annie-mac.com/lo/soniseth/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Punjabi (lender page, verified 2026-10-20)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 100035), verified 2026-10-16",
        "Earliest state license record: November 7, 2022 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/soni-seth-1571430",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 100035), verified 2026-10-16",
        "verified_at": "2026-10-16",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      }
    },
    {
      "rank": 2,
      "score": 26.5,
      "loan_officer": {
        "nmls_id": 2041333,
        "slug": "sita-gurung-2041333",
        "full_name": "Sita Gurung",
        "canonical_url": "https://lendb.ai/lo/sita-gurung-2041333",
        "json_url": "https://lendb.ai/lo/sita-gurung-2041333.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"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": null,
        "licensed_states": [
          "TX",
          "CA",
          "NC",
          "OK",
          "OR",
          "PA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "bn",
          "en",
          "hi",
          "ne",
          "pa"
        ],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-03-24",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2023,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://ensurehomeloans.com/loan-officers/sita-gurung",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Punjabi (lender page, verified 2026-10-15)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 117798), verified 2026-10-16",
        "Earliest state license record: March 24, 2023 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/sita-gurung-2041333",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 117798), verified 2026-10-16",
        "verified_at": "2026-10-16",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      }
    },
    {
      "rank": 3,
      "score": 25.5,
      "loan_officer": {
        "nmls_id": 2336394,
        "slug": "subir-oberoi-2336394",
        "full_name": "Subir Raj Oberoi",
        "canonical_url": "https://lendb.ai/lo/subir-oberoi-2336394",
        "json_url": "https://lendb.ai/lo/subir-oberoi-2336394.json",
        "lender": {
          "nmls_id": 177308,
          "name": "Meadowbrook Financial Mortgage Bankers Corp.",
          "slug": "meadowbrook-financial-mortgage-bankers-corp-177308",
          "canonical_url": "https://lendb.ai/lender/meadowbrook-financial-mortgage-bankers-corp-177308",
          "type": "imb"
        },
        "branch": {
          "city": "Hicksville",
          "state": "NY"
        },
        "headshot_url": "https://sp-ao.shortpixel.ai/client/to_webp,q_glossy,ret_img,w_353,h_351/https://mfmbankers.com/wp-content/uploads/2025/07/SubirRajOberoi-photo.png",
        "licensed_states": [
          "NY",
          "PA"
        ],
        "licenses": [
          {
            "state": "NY",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "pa"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mfmbankers.com/loanofficers/subir-raj-oberoi/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Punjabi (lender page, verified 2026-10-15)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 101310), verified 2026-10-16"
      ],
      "canonical_url": "https://lendb.ai/lo/subir-oberoi-2336394",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 101310), verified 2026-10-16",
        "verified_at": "2026-10-16",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      }
    },
    {
      "rank": 4,
      "score": 23.5,
      "loan_officer": {
        "nmls_id": 2389496,
        "slug": "sobe-dhital-2389496",
        "full_name": "Sobe Dhital",
        "canonical_url": "https://lendb.ai/lo/sobe-dhital-2389496",
        "json_url": "https://lendb.ai/lo/sobe-dhital-2389496.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "slug": "loan-factory-320841",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://lh3.googleusercontent.com/TFzYDIxbJ3fOCDgNhW42GvdfP1PYq1ru2tLXuQUKwJTU6nKNtRfa3Kv5MQQkfdcXIIXdvsopWAnHW7jSYHpnDvoCtahfWeBqKLY",
        "licensed_states": [
          "CA",
          "MD",
          "PA",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "ne",
          "pa"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-03-07",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2023,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/sobe-dhital-2389496",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Punjabi (lender page, verified 2026-10-09)",
        "PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 7, 2023 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/sobe-dhital-2389496",
      "license_check": {
        "state": "PA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "PA 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/sobe-dhital-2389496"
      }
    }
  ]
}