{
  "canonical_url": "https://lendb.ai/lang/ar/florida",
  "summary": "As of 2026-10-19, LenDb lists 2 loan officers licensed in or based in Florida whose lender pages say they speak Arabic. The top-ranked are Abe Hakawati (Loan Factory, Orlando) and Marianna Gabriel (JPMorgan Chase Bank (Chase Home Lending), Boca Raton). Ranking is lender-neutral: a license in FL, branch location, experience and profile completeness. Nobody pays for placement. Languages come only from loan officers' own lender pages, and most lender pages do not list languages. A loan officer missing from this list may still speak it: not listed means not stated, not that they do not speak it.",
  "language": "ar",
  "state": "FL",
  "total": 2,
  "last_verified": "2026-10-19",
  "results": [
    {
      "rank": 1,
      "score": 43,
      "loan_officer": {
        "nmls_id": 341393,
        "slug": "abraham-hakawati-341393",
        "full_name": "Abe Hakawati",
        "licensed_names": [
          {
            "name": "Abraham Hakawati",
            "name_with_middle_initial": "Abraham K. Hakawati",
            "first_name": "Abraham",
            "middle_initial": "K",
            "last_name": "Hakawati",
            "states": [
              "CA",
              "FL",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-15"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/abraham-hakawati-341393",
        "json_url": "https://lendb.ai/lo/abraham-hakawati-341393.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": "Orlando",
          "state": "FL"
        },
        "headshot_url": "https://lh3.googleusercontent.com/7Qg76fp_qGAc7taHq7hc9fZPMNpaqCCOhCQl-Hm3nKdDtiRHV_1F1YNeu2Cx6iL2Na4NsT7ypnAk7ExUGzcQBwO0G7-Sr4y9VYxm",
        "licensed_states": [
          "FL",
          "CA",
          "TX"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "ar",
          "en"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2011-09-19",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2011,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/abe-hakawati-341393",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Arabic (lender page, verified 2026-10-09)",
        "Office in Orlando, FL",
        "Licensed in FL: confirmed with the Florida regulator (license LO10096), verified 2026-10-15",
        "Earliest state license record: September 19, 2011 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/abraham-hakawati-341393",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO10096), verified 2026-10-15",
        "verified_at": "2026-10-15",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip"
      }
    },
    {
      "rank": 2,
      "score": 39.5,
      "loan_officer": {
        "nmls_id": 2315456,
        "slug": "marianna-gabriel-2315456",
        "full_name": "Marianna Gabriel",
        "canonical_url": "https://lendb.ai/lo/marianna-gabriel-2315456",
        "json_url": "https://lendb.ai/lo/marianna-gabriel-2315456.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": "Boca Raton",
          "state": "FL"
        },
        "headshot_url": "http://a.mktgcdn.com/p/fRQAQEwOgAyLHjdp3dG7aOqKrFk51j7bPWU3zP1OuEE/352x527.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "ar",
          "fr",
          "it"
        ],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "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": 17,
        "lender_profile_url": "https://homelendingadvisor.chase.com/fl/boca-raton/5950-glades-road-hla-2315456",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Arabic (lender page, verified 2026-10-19)",
        "Office in Boca Raton, FL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 17 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/marianna-gabriel-2315456",
      "license_check": {
        "state": "FL",
        "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
      }
    }
  ]
}