{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=pt&state=OH",
  "filters": {
    "state": "OH",
    "lang": "pt",
    "limit": 10
  },
  "count": 1,
  "results": [
    {
      "rank": 1,
      "score": 31,
      "loan_officer": {
        "nmls_id": 2743511,
        "slug": "renato-kochen-2743511",
        "full_name": "Renato Kochen",
        "canonical_url": "https://lendb.ai/lo/renato-kochen-2743511",
        "json_url": "https://lendb.ai/lo/renato-kochen-2743511.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": "Columbus",
          "state": "OH"
        },
        "headshot_url": "http://a.mktgcdn.com/p/T--pt9aZALBWFryPqTBVbZ91IrUAEI16nhvrLJFxp7k/731x1095.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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            "source": "HUD",
            "as_of": "2026-08"
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        ],
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-2743511",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Portuguese (lender page, verified 2026-10-19)",
        "Office in Columbus, OH",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/renato-kochen-2743511",
      "license_check": {
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        "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
      }
    }
  ]
}