{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=pt&state=NC",
  "filters": {
    "state": "NC",
    "lang": "pt",
    "limit": 10
  },
  "count": 1,
  "results": [
    {
      "rank": 1,
      "score": 24.3,
      "loan_officer": {
        "nmls_id": 2538132,
        "slug": "daniela-velarde-2538132",
        "full_name": "Daniela Velarde",
        "canonical_url": "https://lendb.ai/lo/daniela-velarde-2538132",
        "json_url": "https://lendb.ai/lo/daniela-velarde-2538132.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "slug": "crosscountry-mortgage-3029",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Delray Beach",
          "state": "FL"
        },
        "headshot_url": "https://thevault.ccm.com/m/2008f6184ef318e3/Website-8238_Velarde_2538132.jpg",
        "licensed_states": [
          "FL",
          "NC"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es",
          "pt"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "heloc",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-01-25",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2024,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/delray-beach-fl-8238/daniela-velarde/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Portuguese (lender page, verified 2026-10-22)",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 25, 2024 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/daniela-velarde-2538132",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-22",
        "source_url": "https://crosscountrymortgage.com/delray-beach-fl-8238/daniela-velarde/"
      }
    }
  ]
}