{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=tl&state=ID",
  "filters": {
    "state": "ID",
    "lang": "tl",
    "limit": 10
  },
  "count": 1,
  "results": [
    {
      "rank": 1,
      "score": 32.5,
      "loan_officer": {
        "nmls_id": 1399453,
        "slug": "sheilla-lavadia-1399453",
        "full_name": "Sheilla Lavadia",
        "canonical_url": "https://lendb.ai/lo/sheilla-lavadia-1399453",
        "json_url": "https://lendb.ai/lo/sheilla-lavadia-1399453.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": null
        },
        "headshot_url": "https://lh3.googleusercontent.com/RgLcjey2BoJ10PD5PmHvHGS0qdOMtJ8smAYJ5bf5AiunOIAWiWCkDsVwj4PAugu1vyOsrO-DLk-dqDx7BEZkTr-7o8gndcaGoo_0lg",
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "HI",
          "ID",
          "KS",
          "NM",
          "OR",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "tl"
        ],
        "specialties": [
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-03-23",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2023,
          "state": "TX"
        },
        "years_experience": 22,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/sheilla-lavadia-1399453",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Tagalog (lender page, verified 2026-10-09)",
        "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 23, 2023 (Texas), per state regulator",
        "States 22 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/sheilla-lavadia-1399453",
      "license_check": {
        "state": "ID",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/sheilla-lavadia-1399453"
      }
    }
  ]
}