{
  "canonical_url": "https://lendb.ai/lang/de/arizona",
  "summary": "As of 2026-10-09, LenDb lists 2 loan officers licensed in or based in Arizona whose lender pages say they speak German. The top-ranked are Cristine Orzel (Loan Factory) and Sandra Friedel (Loan Factory). Ranking is lender-neutral: a license in AZ, 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": "de",
  "state": "AZ",
  "total": 2,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 32,
      "loan_officer": {
        "nmls_id": 98183,
        "slug": "cristine-orzel-98183",
        "full_name": "Cristine Orzel",
        "licensed_names": [
          {
            "name": "Cristine Orzel",
            "name_with_middle_initial": "Cristine L. Orzel",
            "first_name": "Cristine",
            "middle_initial": "L",
            "last_name": "Orzel",
            "states": [
              "CO"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/cristine-orzel-98183",
        "json_url": "https://lendb.ai/lo/cristine-orzel-98183.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/rXU7vGGG_GIJJIQ1yOw0s7dY-NlewDbHgnRDFYfYnVTZCOMOXy4C7SjGmN5r792YCTC3toGdaGgI93Be2aDX8bVgsKVwgEcI-_ROjg",
        "licensed_states": [
          "CO",
          "AZ"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "de",
          "en"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2007-05-30",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2007,
          "state": "CO"
        },
        "years_experience": 38,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/cristine-orzel-98183",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks German (lender page, verified 2026-10-09)",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 30, 2007 (Colorado), per state regulator",
        "States 38 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/cristine-orzel-98183",
      "license_check": {
        "state": "AZ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ 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/cristine-orzel-98183"
      }
    },
    {
      "rank": 2,
      "score": 25.5,
      "loan_officer": {
        "nmls_id": 1835111,
        "slug": "sandra-friedel-1835111",
        "full_name": "Sandra Friedel",
        "canonical_url": "https://lendb.ai/lo/sandra-friedel-1835111",
        "json_url": "https://lendb.ai/lo/sandra-friedel-1835111.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/Nnx0ytan0nc8dI99zbzhO4m6XZJ6BKFVJ0TpzAmc0oWDoTFUrr-uBGScKt7iJ2dDD12HVYvgaeLNJDkJqEhwJadOFkbgpz78Qnay",
        "licensed_states": [
          "AZ",
          "MO",
          "MS",
          "TX"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "de",
          "en"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2019-03-14",
          "state": "IA"
        },
        "licensed_since": {
          "year": 2019,
          "state": "IA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/sandra-friedel-1835111",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks German (lender page, verified 2026-10-09)",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 14, 2019 (Iowa), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/sandra-friedel-1835111",
      "license_check": {
        "state": "AZ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ 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/sandra-friedel-1835111"
      }
    }
  ]
}