{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=ru&state=NV",
  "filters": {
    "state": "NV",
    "lang": "ru",
    "limit": 10
  },
  "count": 2,
  "results": [
    {
      "rank": 1,
      "score": 32.5,
      "loan_officer": {
        "nmls_id": 192878,
        "slug": "alexander-margulis-192878",
        "full_name": "Alex Margulis",
        "licensed_names": [
          {
            "name": "Alexander Margulis",
            "name_with_middle_initial": null,
            "first_name": "Alexander",
            "middle_initial": null,
            "last_name": "Margulis",
            "states": [
              "CA",
              "CT",
              "FL",
              "IA",
              "MA",
              "MD",
              "MO",
              "OR",
              "TX",
              "WI"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/alexander-margulis-192878",
        "json_url": "https://lendb.ai/lo/alexander-margulis-192878.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": "Chicago",
          "state": "IL"
        },
        "headshot_url": "https://thevault.ccm.com/m/132ec40966fc231a/Website-7101_Margulis_192878.jpg",
        "licensed_states": [
          "FL",
          "CT",
          "TX",
          "AZ",
          "CA",
          "CO",
          "DC",
          "GA",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "NJ",
          "NV",
          "OH",
          "OR",
          "PA",
          "SC",
          "TN",
          "VA",
          "WA",
          "WI"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "ru"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "dscr",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "non-qm",
          "physician",
          "refinance",
          "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": "2006-11-21",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2006,
          "state": "IL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/chicago-il-7101/alexander-margulis/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Russian (lender page, verified 2026-10-09)",
        "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 21, 2006 (Illinois), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/alexander-margulis-192878",
      "license_check": {
        "state": "NV",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/chicago-il-7101/alexander-margulis/"
      }
    },
    {
      "rank": 2,
      "score": 29,
      "loan_officer": {
        "nmls_id": 2786710,
        "slug": "yuliya-chekaramit-2786710",
        "full_name": "Yuliya Chekaramit",
        "canonical_url": "https://lendb.ai/lo/yuliya-chekaramit-2786710",
        "json_url": "https://lendb.ai/lo/yuliya-chekaramit-2786710.json",
        "lender": {
          "nmls_id": 399802,
          "name": "Bank of America",
          "slug": "bank-of-america-399802",
          "canonical_url": "https://lendb.ai/lender/bank-of-america-399802",
          "type": "bank"
        },
        "branch": {
          "city": "Las Vegas",
          "state": "NV"
        },
        "headshot_url": null,
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "ru"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "jumbo",
          "physician",
          "va"
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 1,
        "lender_profile_url": "https://mortgage.bankofamerica.com/yuliya-chekaramit",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Russian (lender page, verified 2026-10-19)",
        "Office in Las Vegas, NV",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 1 year of experience (lender page, 2026-10-19)"
      ],
      "canonical_url": "https://lendb.ai/lo/yuliya-chekaramit-2786710",
      "license_check": {
        "state": "NV",
        "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
      }
    }
  ]
}