{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=uk&state=MN",
  "filters": {
    "state": "MN",
    "lang": "uk",
    "limit": 10
  },
  "count": 1,
  "results": [
    {
      "rank": 1,
      "score": 24.8,
      "loan_officer": {
        "nmls_id": 2316172,
        "slug": "kvitoslava-melnik-2316172",
        "full_name": "Kristina Melnik",
        "canonical_url": "https://lendb.ai/lo/kvitoslava-melnik-2316172",
        "json_url": "https://lendb.ai/lo/kvitoslava-melnik-2316172.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "slug": "churchill-mortgage-1591",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Roseville",
          "state": "CA"
        },
        "headshot_url": "https://info.churchillmortgage.com/hubfs/images/headshots/loan-officers/Melnik%2c%20Kristina.jpg",
        "licensed_states": [
          "FL",
          "CA",
          "MN",
          "SC",
          "TN",
          "WI"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "ru",
          "uk"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "1099-income",
          "asset-based",
          "bank-statement",
          "condo-non-warrantable",
          "condotel",
          "construction",
          "down-payment-assistance",
          "dscr",
          "first-time-buyer",
          "foreign-national",
          "heloc",
          "itin",
          "jumbo",
          "low-credit",
          "manufactured",
          "multi-family-2-4",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-08-03",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2022,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/kristina-melnik",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Ukrainian (lender page, verified 2026-10-20)",
        "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 3, 2022 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/kvitoslava-melnik-2316172",
      "license_check": {
        "state": "MN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://www.churchillmortgage.com/loan-officers/kristina-melnik"
      }
    }
  ]
}