{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=tl&state=FL",
  "filters": {
    "state": "FL",
    "lang": "tl",
    "limit": 10
  },
  "count": 1,
  "results": [
    {
      "rank": 1,
      "score": 44,
      "loan_officer": {
        "nmls_id": 2349462,
        "slug": "paolo-benigno-flores-2349462",
        "full_name": "Paolo Flores",
        "licensed_names": [
          {
            "name": "Paolo Flores",
            "name_with_middle_initial": "Paolo B. Flores",
            "first_name": "Paolo",
            "middle_initial": "B",
            "last_name": "Flores",
            "states": [
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/paolo-benigno-flores-2349462",
        "json_url": "https://lendb.ai/lo/paolo-benigno-flores-2349462.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "slug": "loan-factory-320841",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "FL"
        },
        "headshot_url": "https://lh3.googleusercontent.com/ww2J2SIcrtQA8mKL9cq3utrT7FiiFGAbFQHO8pfsi9e0ty1n4WwS9yf6snbFimIRCTx2ohpjmSt40s2fY_b6uuUgm78VOxToYUc",
        "licensed_states": [
          "FL"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "tl"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-06-06",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 17,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/paolo-flores-2349462",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Tagalog (lender page, verified 2026-10-09)",
        "Office in Florida",
        "Licensed in FL: confirmed with the Florida regulator (license LO120534), verified 2026-10-15",
        "Earliest state license record: June 6, 2023 (Florida), per state regulator",
        "States 17 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/paolo-benigno-flores-2349462",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO120534), verified 2026-10-15",
        "verified_at": "2026-10-15",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip"
      }
    }
  ]
}