{
  "canonical_url": "https://lendb.ai/lang/de/florida",
  "summary": "As of 2026-10-26, LenDb lists 2 loan officers licensed in or based in Florida whose lender pages say they speak German. The top-ranked are Baris Evran (JPMorgan Chase Bank (Chase Home Lending), Coral Gables) and Georg Thoma (Kama'aina Mortgage Group Inc., Honolulu). 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": "de",
  "state": "FL",
  "total": 2,
  "last_verified": "2026-10-26",
  "results": [
    {
      "rank": 1,
      "score": 40,
      "loan_officer": {
        "nmls_id": 859319,
        "slug": "baris-evran-859319",
        "full_name": "Baris Evran",
        "canonical_url": "https://lendb.ai/lo/baris-evran-859319",
        "json_url": "https://lendb.ai/lo/baris-evran-859319.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": "Coral Gables",
          "state": "FL"
        },
        "headshot_url": "http://a.mktgcdn.com/p/9FiV2fXHDh_gvdrwvUARVVuz-Jzjd5GxwxRkuSORmJs/345x517.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "de",
          "tr"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "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": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 18,
        "lender_profile_url": "https://homelendingadvisor.chase.com/fl/coral-gables/2740-coral-way-hla-859319",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks German (lender page, verified 2026-10-26)",
        "Office in Coral Gables, FL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 18 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/baris-evran-859319",
      "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": "2026-10-26",
        "source_url": null
      }
    },
    {
      "rank": 2,
      "score": 24.8,
      "loan_officer": {
        "nmls_id": 312260,
        "slug": "georg-thoma-312260",
        "full_name": "Georg Thoma",
        "licensed_names": [
          {
            "name": "Georg Thoma",
            "name_with_middle_initial": "Georg F. Thoma",
            "first_name": "Georg",
            "middle_initial": "F",
            "last_name": "Thoma",
            "states": [
              "CA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/georg-thoma-312260",
        "json_url": "https://lendb.ai/lo/georg-thoma-312260.json",
        "lender": {
          "nmls_id": 1276471,
          "name": "Kama'aina Mortgage Group Inc.",
          "slug": "kama-aina-mortgage-group-inc-1276471",
          "canonical_url": "https://lendb.ai/lender/kama-aina-mortgage-group-inc-1276471",
          "type": "imb"
        },
        "branch": {
          "city": "Honolulu",
          "state": "HI"
        },
        "headshot_url": "https://cdn.prod.website-files.com/692ed72deeca580e1cf7f297/6a146d092552349830e6dad7_Georg%20Thoma%201.webp",
        "licensed_states": [
          "CA",
          "CO",
          "FL",
          "HI",
          "NV",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "de"
        ],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-12-06",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2023,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.kmghawaii.com/team-member/georg-thoma",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks German (lender page, verified 2026-10-15)",
        "FL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 6, 2023 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/georg-thoma-312260",
      "license_check": {
        "state": "FL",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "FL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://www.kmghawaii.com/team-member/georg-thoma"
      }
    }
  ]
}