{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=pl&state=NY",
  "filters": {
    "state": "NY",
    "lang": "pl",
    "limit": 10
  },
  "count": 3,
  "results": [
    {
      "rank": 1,
      "score": 41,
      "loan_officer": {
        "nmls_id": 588010,
        "slug": "george-skrepetos-588010",
        "full_name": "George Skrepetos",
        "canonical_url": "https://lendb.ai/lo/george-skrepetos-588010",
        "json_url": "https://lendb.ai/lo/george-skrepetos-588010.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": "Hewlett",
          "state": "NY"
        },
        "headshot_url": "http://a.mktgcdn.com/p/lRbBGgSAmgAnIZz4_CzCca0mqe2roRFAoo82pOWNRK4/695x1041.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "el",
          "pl"
        ],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "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": 24,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/hewlett/1304-broadway-hla-588010",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Polish (lender page, verified 2026-10-19)",
        "Office in Hewlett, NY",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 24 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/george-skrepetos-588010",
      "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": "2026-10-19",
        "source_url": null
      }
    },
    {
      "rank": 2,
      "score": 40,
      "loan_officer": {
        "nmls_id": 625577,
        "slug": "nataliya-dovgan-cronin-625577",
        "full_name": "Nataliya Dovgan-Cronin",
        "canonical_url": "https://lendb.ai/lo/nataliya-dovgan-cronin-625577",
        "json_url": "https://lendb.ai/lo/nataliya-dovgan-cronin-625577.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": "New York",
          "state": "NY"
        },
        "headshot_url": "http://a.mktgcdn.com/p/HlSMWht1h2P7YwlctUOH0jLFhEK2P-AQgHgA1eMfNI0/500x749.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "pl",
          "ru"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "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": 18,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/new-york/1370-avenue-of-the-americas-hla-625577",
        "disciplinary_check": "not_checked"
      },
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        "Office in New York, NY",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 18 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/nataliya-dovgan-cronin-625577",
      "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": "2026-10-19",
        "source_url": null
      }
    },
    {
      "rank": 3,
      "score": 31,
      "loan_officer": {
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        "slug": "karolina-wiatrowska-598021",
        "full_name": "Karolina Wiatrowska",
        "canonical_url": "https://lendb.ai/lo/karolina-wiatrowska-598021",
        "json_url": "https://lendb.ai/lo/karolina-wiatrowska-598021.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": "New York",
          "state": "NY"
        },
        "headshot_url": "http://a.mktgcdn.com/p/zsp-edfkWyKHLYr_Y7iJqSmQVO7dy9pWIEDvthWCKlo/667x999.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "pl"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "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"
          }
        ],
        "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/ny/new-york/1495-york-ave-hla-598021",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Polish (lender page, verified 2026-10-19)",
        "Office in New York, NY",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/karolina-wiatrowska-598021",
      "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": "2026-10-19",
        "source_url": null
      }
    }
  ]
}