{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=ur&state=IL",
  "filters": {
    "state": "IL",
    "lang": "ur",
    "limit": 10
  },
  "count": 3,
  "results": [
    {
      "rank": 1,
      "score": 38,
      "loan_officer": {
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        "slug": "hetul-thakkar-2157971",
        "full_name": "Hetul Thakkar",
        "canonical_url": "https://lendb.ai/lo/hetul-thakkar-2157971",
        "json_url": "https://lendb.ai/lo/hetul-thakkar-2157971.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "slug": "loan-factory-320841",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
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          "state": "IL"
        },
        "headshot_url": "https://lh3.googleusercontent.com/Tw0Ryz2H1-GU-y54X1jrc7vDj6pTvLSCpEL8nNczOEv-VwQ-J8QBymFbu4h5x8DSm_YzY6Lg7SGV82S8LmWbSIrR2hIk5RRC3kbR",
        "licensed_states": [
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          }
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        "languages": [
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        },
        "licensed_since": {
          "year": 2021,
          "state": "IL"
        },
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        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/hetul-thakkar-2157971",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
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        "Office in Illinois",
        "Licensed in IL: confirmed with the Illinois regulator (license 31.0069801), verified 2026-10-28",
        "Earliest state license record: June 22, 2021 (Illinois), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/hetul-thakkar-2157971",
      "license_check": {
        "state": "IL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in IL: confirmed with the Illinois regulator (license 31.0069801), verified 2026-10-28",
        "verified_at": "2026-10-28",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html"
      }
    },
    {
      "rank": 2,
      "score": 35.8,
      "loan_officer": {
        "nmls_id": 69361,
        "slug": "gurpreet-singh-69361",
        "full_name": "Gurpreet Singh",
        "canonical_url": "https://lendb.ai/lo/gurpreet-singh-69361",
        "json_url": "https://lendb.ai/lo/gurpreet-singh-69361.json",
        "lender": {
          "nmls_id": 1666674,
          "name": "ENSURE HOME LOANS LLC",
          "slug": "ensure-home-loans-llc-1666674",
          "canonical_url": "https://lendb.ai/lender/ensure-home-loans-llc-1666674",
          "type": "imb"
        },
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          "state": null
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        "licensed_states": [
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          "IL",
          "IN"
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        "licenses": [
          {
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            "confidence": "confirmed"
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          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "pa",
          "ur"
        ],
        "specialties": [
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
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        "earliest_license_record": {
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          "state": "IL"
        },
        "licensed_since": {
          "year": 2005,
          "state": "IL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://ensurehomeloans.com/loan-officers/gurpreet-singh-2",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Urdu (lender page, verified 2026-10-15)",
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        "Earliest state license record: July 27, 2005 (Illinois), per state regulator",
        "States 25 years of experience (lender page, 2026-10-15)"
      ],
      "canonical_url": "https://lendb.ai/lo/gurpreet-singh-69361",
      "license_check": {
        "state": "IL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in IL: confirmed with the Illinois regulator (license 31.0006476), verified 2026-10-28",
        "verified_at": "2026-10-28",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html"
      }
    },
    {
      "rank": 3,
      "score": 30.3,
      "loan_officer": {
        "nmls_id": 443577,
        "slug": "nabila-wadwani-443577",
        "full_name": "Nabila Wadwani",
        "canonical_url": "https://lendb.ai/lo/nabila-wadwani-443577",
        "json_url": "https://lendb.ai/lo/nabila-wadwani-443577.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": "Chicago",
          "state": "IL"
        },
        "headshot_url": "http://a.mktgcdn.com/p/aLTy-Wd1MBCk15DWwXURM7HA0JxoHAWP580cN08qBI0/800x1200.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "gu",
          "hi",
          "ur"
        ],
        "specialties": [
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
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            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/il/chicago/6131-n-lincoln-ave-hla-443577",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Urdu (lender page, verified 2026-10-19)",
        "Office in Chicago, IL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/nabila-wadwani-443577",
      "license_check": {
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        "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",
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    }
  ]
}