{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=pt&state=NY",
  "filters": {
    "state": "NY",
    "lang": "pt",
    "limit": 10
  },
  "count": 3,
  "results": [
    {
      "rank": 1,
      "score": 41,
      "loan_officer": {
        "nmls_id": 62262,
        "slug": "veronica-finkel-62262",
        "full_name": "Veronica Finkel",
        "canonical_url": "https://lendb.ai/lo/veronica-finkel-62262",
        "json_url": "https://lendb.ai/lo/veronica-finkel-62262.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": "Thornwood",
          "state": "NY"
        },
        "headshot_url": "http://a.mktgcdn.com/p/bk4CissEgbB_95I30X7dFHP8CTWMO6QfNEP5XELt87M/454x527.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "pt"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
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            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 24,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ny/thornwood/608-columbus-ave-hla-62262",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Portuguese (lender page, verified 2026-10-19)",
        "Office in Thornwood, 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/veronica-finkel-62262",
      "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": 35.5,
      "loan_officer": {
        "nmls_id": 68184,
        "slug": "nelson-dasilva-68184",
        "full_name": "Nelson DaSilva",
        "canonical_url": "https://lendb.ai/lo/nelson-dasilva-68184",
        "json_url": "https://lendb.ai/lo/nelson-dasilva-68184.json",
        "lender": {
          "nmls_id": 2764,
          "name": "Total Mortgage Services",
          "slug": "total-mortgage-services-2764",
          "canonical_url": "https://lendb.ai/lender/total-mortgage-services-2764",
          "type": "imb"
        },
        "branch": {
          "city": "Milford",
          "state": "CT"
        },
        "headshot_url": "https://www.totalmortgage.com/_next/image?url=https%3A%2F%2Fwww.totalmortgage.com%2Fstatic%2Fuploads%2Fheadshots%2FNelson_DaSilva_68184%2FNelson_DaSilva_1784045595694_small.jpg&w=640&q=75",
        "licensed_states": [
          "FL",
          "NY",
          "CT"
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        "licenses": [
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            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "NY",
            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es",
          "fr",
          "it",
          "pt"
        ],
        "specialties": [],
        "lender_offers": [
          "co-op",
          "construction",
          "fha",
          "heloc",
          "jumbo",
          "low-credit",
          "non-qm",
          "renovation",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-03-08",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": 22,
        "lender_profile_url": "https://www.totalmortgage.com/bankers/nelson-dasilva",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Portuguese (lender page, verified 2026-10-21)",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: March 8, 2017 (Florida), per state regulator",
        "States 22 years of experience (lender page, 2026-10-21)"
      ],
      "canonical_url": "https://lendb.ai/lo/nelson-dasilva-68184",
      "license_check": {
        "state": "NY",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "verified_at": "2026-10-14",
        "source_url": "https://www.dfs.ny.gov/"
      }
    },
    {
      "rank": 3,
      "score": 35.5,
      "loan_officer": {
        "nmls_id": 262447,
        "slug": "cristovao-correia-262447",
        "full_name": "Chris Correia",
        "canonical_url": "https://lendb.ai/lo/cristovao-correia-262447",
        "json_url": "https://lendb.ai/lo/cristovao-correia-262447.json",
        "lender": {
          "nmls_id": 1820,
          "name": "CMG Home Loans",
          "slug": "cmg-home-loans-1820",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
        },
        "branch": {
          "city": "Paramus",
          "state": "NJ"
        },
        "headshot_url": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/Production_13899_Cristovao_Correia",
        "licensed_states": [
          "FL",
          "PA",
          "NY"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es",
          "pt"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "low-credit",
          "new-construction",
          "renovation",
          "reverse",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2019-07-09",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/chris-correia",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Portuguese (lender page, verified 2026-10-20)",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: July 9, 2019 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/cristovao-correia-262447",
      "license_check": {
        "state": "NY",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "verified_at": "2026-10-14",
        "source_url": "https://www.dfs.ny.gov/"
      }
    }
  ]
}