{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=tl&state=DC",
  "filters": {
    "state": "DC",
    "lang": "tl",
    "limit": 10
  },
  "count": 2,
  "results": [
    {
      "rank": 1,
      "score": 40.5,
      "loan_officer": {
        "nmls_id": 296434,
        "slug": "arnold-flores-296434",
        "full_name": "Arnold Flores",
        "canonical_url": "https://lendb.ai/lo/arnold-flores-296434",
        "json_url": "https://lendb.ai/lo/arnold-flores-296434.json",
        "lender": {
          "nmls_id": 456916,
          "name": "United Nations Federal Credit Union",
          "slug": "united-nations-federal-credit-union-456916",
          "canonical_url": "https://lendb.ai/lender/united-nations-federal-credit-union-456916",
          "type": "credit_union"
        },
        "branch": {
          "city": "Washington",
          "state": "DC"
        },
        "headshot_url": "https://www.unfcu.org/globalassets/photos/headshots/photo-mortgage-flores.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "en",
          "tl"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 27,
        "lender_profile_url": "https://www.unfcu.org/us-home-ownership/find-representative/arnold-flores/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Tagalog (lender page, verified 2026-10-16)",
        "Office in Washington, DC",
        "Likely federally registered (works at a credit union). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 27 years of experience (lender page, 2026-10-16)"
      ],
      "canonical_url": "https://lendb.ai/lo/arnold-flores-296434",
      "license_check": {
        "state": "DC",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a credit union). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-16",
        "source_url": null
      }
    },
    {
      "rank": 2,
      "score": 21.8,
      "loan_officer": {
        "nmls_id": 483757,
        "slug": "ramon-llamas-483757",
        "full_name": "Ramon Llamas",
        "licensed_names": [
          {
            "name": "Ramon Llamas",
            "name_with_middle_initial": "Ramon M. Llamas",
            "first_name": "Ramon",
            "middle_initial": "M",
            "last_name": "Llamas",
            "states": [
              "MD"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/ramon-llamas-483757",
        "json_url": "https://lendb.ai/lo/ramon-llamas-483757.json",
        "lender": {
          "nmls_id": 86548,
          "name": "First Heritage Mortgage",
          "slug": "first-heritage-mortgage-86548",
          "canonical_url": "https://lendb.ai/lender/first-heritage-mortgage-86548",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://fhmtg.com/wp-content/uploads/2025/11/Ramon-Llamas-Square-TEMP-500.png",
        "licensed_states": [
          "DC",
          "MD",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "tl"
        ],
        "specialties": [],
        "lender_offers": [
          "bank-statement",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "investor",
          "jumbo",
          "non-qm",
          "renovation",
          "usda",
          "va"
        ],
        "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://fhmtg.com/officers/ramon-llamas/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Tagalog (lender page, verified 2026-10-20)",
        "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/ramon-llamas-483757",
      "license_check": {
        "state": "DC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://fhmtg.com/officers/ramon-llamas/"
      }
    }
  ]
}