{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=tl&state=PA",
  "filters": {
    "state": "PA",
    "lang": "tl",
    "limit": 10
  },
  "count": 2,
  "results": [
    {
      "rank": 1,
      "score": 38.3,
      "loan_officer": {
        "nmls_id": 714662,
        "slug": "cyde-arcano-714662",
        "full_name": "Cyde Arcano",
        "canonical_url": "https://lendb.ai/lo/cyde-arcano-714662",
        "json_url": "https://lendb.ai/lo/cyde-arcano-714662.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": "Horsham",
          "state": "PA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/XMBC9ExE2_UWVk_VZILAkpI1xQq5JA58dKD07zqxCIk/256x384.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "tl"
        ],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 16,
        "lender_profile_url": "https://homelendingadvisor.chase.com/pa/horsham/136-welsh-rd-hla-714662",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Tagalog (lender page, verified 2026-10-19)",
        "Office in Horsham, PA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 16 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/cyde-arcano-714662",
      "license_check": {
        "state": "PA",
        "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
      }
    },
    {
      "rank": 2,
      "score": 26.5,
      "loan_officer": {
        "nmls_id": 2138106,
        "slug": "michelle-bader-2138106",
        "full_name": "Michelle Bader",
        "licensed_names": [
          {
            "name": "Michelle Bader",
            "name_with_middle_initial": "Michelle M. Bader",
            "first_name": "Michelle",
            "middle_initial": "M",
            "last_name": "Bader",
            "states": [
              "CA",
              "PA",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/michelle-bader-2138106",
        "json_url": "https://lendb.ai/lo/michelle-bader-2138106.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/glsjKOIoOGx4Liyh8CVpegcb2ZyuPpuIBmx3WpIXIX3gbo7YkCWyLLU6UqJii8U7V-U3ZSKkFMsEFg10tm9exZlvWo_6VCjJlqaz",
        "licensed_states": [
          "PA",
          "AZ",
          "HI",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "tl"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-10-09",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2023,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/michelle-bader-2138106",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Tagalog (lender page, verified 2026-10-09)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 111374), verified 2026-10-16",
        "Earliest state license record: October 9, 2023 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/michelle-bader-2138106",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 111374), verified 2026-10-16",
        "verified_at": "2026-10-16",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      }
    }
  ]
}