{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=itin&state=WI",
  "filters": {
    "specialty": [
      "itin"
    ],
    "state": "WI",
    "limit": 10
  },
  "count": 1,
  "results": [
    {
      "rank": 1,
      "score": 49.5,
      "loan_officer": {
        "nmls_id": 219961,
        "slug": "pauline-garcia-219961",
        "full_name": "Pauline Garcia",
        "canonical_url": "https://lendb.ai/lo/pauline-garcia-219961",
        "json_url": "https://lendb.ai/lo/pauline-garcia-219961.json",
        "lender": {
          "nmls_id": 12007,
          "name": "LeaderOne Financial",
          "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007",
          "type": "imb"
        },
        "branch": {
          "city": "Oak Brook",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "IL",
          "IN",
          "WI"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2026-09-04",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.leaderonefinancial.com/mlo/pauline-garcia",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "WI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 4, 2026 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/pauline-garcia-219961",
      "license_check": {
        "state": "WI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "WI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.leaderonefinancial.com/mlo/pauline-garcia"
      },
      "match_status": "exact",
      "matched_specialties": [
        "itin"
      ],
      "unconfirmed_specialties": []
    }
  ]
}