{
  "canonical_url": "https://lendb.ai/lang/ar/nevada",
  "summary": "As of 2026-10-09, LenDb lists 2 loan officers licensed in or based in Nevada whose lender pages say they speak Arabic. The top-ranked are Nicole Ghanem (Loan Factory) and Andy Chaar (Loan Factory). Ranking is lender-neutral: a license in NV, 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": "NV",
  "total": 2,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 31.8,
      "loan_officer": {
        "nmls_id": 2170114,
        "slug": "nicole-ghanem-2170114",
        "full_name": "Nicole Ghanem",
        "canonical_url": "https://lendb.ai/lo/nicole-ghanem-2170114",
        "json_url": "https://lendb.ai/lo/nicole-ghanem-2170114.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": "NV"
        },
        "headshot_url": "https://lh3.googleusercontent.com/pbLQmplM4tYyeppcwUzWtK24LTv4tuwDnTmDjWfKDX_k5TzgyM-gvp9oKrFnuWISHsHvCP86AjHW18tbJMZccXR5H0w2xnM8bma0",
        "licensed_states": [
          "NV"
        ],
        "licenses": [
          {
            "state": "NV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "ar",
          "en"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/nicole-ghanem-2170114",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Arabic (lender page, verified 2026-10-09)",
        "Office in Nevada",
        "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/nicole-ghanem-2170114",
      "license_check": {
        "state": "NV",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/nicole-ghanem-2170114"
      }
    },
    {
      "rank": 2,
      "score": 24,
      "loan_officer": {
        "nmls_id": 2002494,
        "slug": "andy-chaar-2002494",
        "full_name": "Andy Chaar",
        "canonical_url": "https://lendb.ai/lo/andy-chaar-2002494",
        "json_url": "https://lendb.ai/lo/andy-chaar-2002494.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/gL8F_xDlBNo8zCFNsqD82XQgfaa2wCbqghzMqsUjtpq_iGnwbe10K4ZxnaK4je7zC-TCPTqKiI_Gd_qFb8dr_xmQwsiwA9qzEA3-",
        "licensed_states": [
          "CA",
          "NV"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "ar",
          "en"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-05-03",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2022,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/andy-chaar-2002494",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Arabic (lender page, verified 2026-10-09)",
        "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 3, 2022 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/andy-chaar-2002494",
      "license_check": {
        "state": "NV",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/andy-chaar-2002494"
      }
    }
  ]
}