{
  "canonical_url": "https://lendb.ai/lang/es/illinois",
  "summary": "As of 2026-10-28, LenDb lists 58 loan officers licensed in or based in Illinois whose lender pages say they speak Spanish. The top-ranked are Diane Reyes (Guild Mortgage, Aurora), Linda Callaghan (Guild Mortgage, Aurora) and Sergio Albarran (Fairway Independent Mortgage Corporation, Elgin). Ranking is lender-neutral: a license in IL, 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": "es",
  "state": "IL",
  "total": 58,
  "last_verified": "2026-10-28",
  "results": [
    {
      "rank": 1,
      "score": 46.5,
      "loan_officer": {
        "nmls_id": 221930,
        "slug": "diane-reyes-221930",
        "full_name": "Diane Reyes",
        "canonical_url": "https://lendb.ai/lo/diane-reyes-221930",
        "json_url": "https://lendb.ai/lo/diane-reyes-221930.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "slug": "guild-mortgage-3274",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Aurora",
          "state": "IL"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/ctdre-diane-reyes.jpg",
        "licensed_states": [
          "AZ",
          "IL"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "itin",
          "jumbo",
          "low-credit",
          "manufactured",
          "new-construction",
          "physician",
          "renovation",
          "usda",
          "va",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2005-06-07",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2005,
          "state": "IL"
        },
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/il/aurora/diane-reyes-119-ctdre.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Aurora, IL",
        "Licensed in IL: confirmed with the Illinois regulator (license 31.0002014), verified 2026-10-28",
        "Earliest state license record: June 7, 2005 (Illinois), per state regulator",
        "States 30 years of experience (lender page, 2026-10-19)"
      ],
      "canonical_url": "https://lendb.ai/lo/diane-reyes-221930",
      "license_check": {
        "state": "IL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in IL: confirmed with the Illinois regulator (license 31.0002014), verified 2026-10-28",
        "verified_at": "2026-10-28",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html"
      }
    },
    {
      "rank": 2,
      "score": 46.5,
      "loan_officer": {
        "nmls_id": 229776,
        "slug": "linda-callaghan-229776",
        "full_name": "Linda Callaghan",
        "canonical_url": "https://lendb.ai/lo/linda-callaghan-229776",
        "json_url": "https://lendb.ai/lo/linda-callaghan-229776.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "slug": "guild-mortgage-3274",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Aurora",
          "state": "IL"
        },
        "headshot_url": "https://branches.guildmortgage.com/_next/image/?url=https%3A%2F%2Fwww.guildmortgage.com%2Flib%2Fuploads%2Fofficers%2Fprofile-photos%2Fctlc-linda-callaghan.jpg&w=384&q=75",
        "licensed_states": [
          "FL",
          "IL",
          "IN",
          "WI"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "itin",
          "jumbo",
          "low-credit",
          "manufactured",
          "new-construction",
          "physician",
          "renovation",
          "usda",
          "va",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2009-06-15",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2009,
          "state": "IL"
        },
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/il/aurora/linda-callaghan-119-ctlc.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Aurora, IL",
        "Licensed in IL: confirmed with the Illinois regulator (license 31.0026912), verified 2026-10-28",
        "Earliest state license record: June 15, 2009 (Illinois), per state regulator",
        "States 30 years of experience (lender page, 2026-10-19)"
      ],
      "canonical_url": "https://lendb.ai/lo/linda-callaghan-229776",
      "license_check": {
        "state": "IL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in IL: confirmed with the Illinois regulator (license 31.0026912), verified 2026-10-28",
        "verified_at": "2026-10-28",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html"
      }
    },
    {
      "rank": 3,
      "score": 46.3,
      "loan_officer": {
        "nmls_id": 503384,
        "slug": "sergio-albarran-503384",
        "full_name": "Sergio Albarran",
        "canonical_url": "https://lendb.ai/lo/sergio-albarran-503384",
        "json_url": "https://lendb.ai/lo/sergio-albarran-503384.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "slug": "fairway-independent-mortgage-2289",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Elgin",
          "state": "IL"
        },
        "headshot_url": "https://img.fairway.com/images/head_shot/sergio-albarran-503384.jpg?fwy_Id=ed390520-cd0a-478f-a448-f697227fa1d5",
        "licensed_states": [
          "IL"
        ],
        "licenses": [
          {
            "state": "IL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "renovation"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2026-06-25",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2026,
          "state": "IL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.fairway.com/lo/sergio-albarran-503384",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Elgin, IL",
        "Licensed in IL: confirmed with the Illinois regulator (license 31.0095425), verified 2026-10-28",
        "Earliest state license record: June 25, 2026 (Illinois), per state regulator",
        "States 20 years of experience (lender page, 2026-10-19)"
      ],
      "canonical_url": "https://lendb.ai/lo/sergio-albarran-503384",
      "license_check": {
        "state": "IL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in IL: confirmed with the Illinois regulator (license 31.0095425), verified 2026-10-28",
        "verified_at": "2026-10-28",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html"
      }
    },
    {
      "rank": 4,
      "score": 45.8,
      "loan_officer": {
        "nmls_id": 222874,
        "slug": "omar-gonzalez-222874",
        "full_name": "Omar Gonzalez",
        "canonical_url": "https://lendb.ai/lo/omar-gonzalez-222874",
        "json_url": "https://lendb.ai/lo/omar-gonzalez-222874.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "slug": "guild-mortgage-3274",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Aurora",
          "state": "IL"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/ctog-omar-gonzalez.jpg",
        "licensed_states": [
          "IL"
        ],
        "licenses": [
          {
            "state": "IL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "itin",
          "jumbo",
          "low-credit",
          "manufactured",
          "new-construction",
          "physician",
          "renovation",
          "usda",
          "va",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2005-10-26",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2005,
          "state": "IL"
        },
        "years_experience": 10,
        "lender_profile_url": "https://branches.guildmortgage.com/il/aurora/omar-gonzalez-119-ctog.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Aurora, IL",
        "Licensed in IL: confirmed with the Illinois regulator (license 31.0011995), verified 2026-10-28",
        "Earliest state license record: October 26, 2005 (Illinois), per state regulator",
        "States 10 years of experience (lender page, 2026-10-19)"
      ],
      "canonical_url": "https://lendb.ai/lo/omar-gonzalez-222874",
      "license_check": {
        "state": "IL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in IL: confirmed with the Illinois regulator (license 31.0011995), verified 2026-10-28",
        "verified_at": "2026-10-28",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html"
      }
    },
    {
      "rank": 5,
      "score": 45.8,
      "loan_officer": {
        "nmls_id": 289778,
        "slug": "jose-rincon-289778",
        "full_name": "Jose Rincon",
        "canonical_url": "https://lendb.ai/lo/jose-rincon-289778",
        "json_url": "https://lendb.ai/lo/jose-rincon-289778.json",
        "lender": {
          "nmls_id": 113054,
          "name": "The Mortgage Link, Inc.",
          "slug": "the-mortgage-link-inc-113054",
          "canonical_url": "https://lendb.ai/lender/the-mortgage-link-inc-113054",
          "type": "imb"
        },
        "branch": {
          "city": "Naperville",
          "state": "IL"
        },
        "headshot_url": "https://39552115.fs1.hubspotusercontent-na1.net/hubfs/39552115/Loan%20Officer%20Headshots/Jose%20Rincon%20web.png",
        "licensed_states": [
          "IL"
        ],
        "licenses": [
          {
            "state": "IL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2007-07-20",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2007,
          "state": "IL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.themortgagelink.com/loan-officer/jose-rincon",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "Office in Naperville, IL",
        "Licensed in IL: confirmed with the Illinois regulator (license 31.0022556), verified 2026-10-28",
        "Earliest state license record: July 20, 2007 (Illinois), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/jose-rincon-289778",
      "license_check": {
        "state": "IL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in IL: confirmed with the Illinois regulator (license 31.0022556), verified 2026-10-28",
        "verified_at": "2026-10-28",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html"
      }
    },
    {
      "rank": 6,
      "score": 43.8,
      "loan_officer": {
        "nmls_id": 2216360,
        "slug": "veronica-leon-2216360",
        "full_name": "Veronica Leon",
        "canonical_url": "https://lendb.ai/lo/veronica-leon-2216360",
        "json_url": "https://lendb.ai/lo/veronica-leon-2216360.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "slug": "crosscountry-mortgage-3029",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Elgin",
          "state": "IL"
        },
        "headshot_url": "https://thevault.ccm.com/asset/46488735-5802-4b18-9ffa-3989d4dd4786/Website/3074_Leon_2216360.jpg",
        "licensed_states": [
          "IL"
        ],
        "licenses": [
          {
            "state": "IL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "refinance",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-03-22",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "IL"
        },
        "years_experience": 15,
        "lender_profile_url": "https://crosscountrymortgage.com/elgin-il-3074/veronica-leon/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-26)",
        "Office in Elgin, IL",
        "Licensed in IL: confirmed with the Illinois regulator (license 31.0081421), verified 2026-10-28",
        "Earliest state license record: March 22, 2023 (Illinois), per state regulator",
        "States 15 years of experience (lender page, 2026-10-26)"
      ],
      "canonical_url": "https://lendb.ai/lo/veronica-leon-2216360",
      "license_check": {
        "state": "IL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in IL: confirmed with the Illinois regulator (license 31.0081421), verified 2026-10-28",
        "verified_at": "2026-10-28",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html"
      }
    },
    {
      "rank": 7,
      "score": 42.3,
      "loan_officer": {
        "nmls_id": 983144,
        "slug": "oscar-padilla-983144",
        "full_name": "Oscar Padilla",
        "canonical_url": "https://lendb.ai/lo/oscar-padilla-983144",
        "json_url": "https://lendb.ai/lo/oscar-padilla-983144.json",
        "lender": {
          "nmls_id": 1820,
          "name": "CMG Home Loans",
          "slug": "cmg-home-loans-1820",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
        },
        "branch": {
          "city": "Chicago",
          "state": "IL"
        },
        "headshot_url": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/Production_14909_Oscar_Padilla",
        "licensed_states": [
          "IL",
          "IN",
          "WI"
        ],
        "licenses": [
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "fha",
          "heloc",
          "investor",
          "jumbo",
          "low-credit",
          "new-construction",
          "renovation",
          "reverse",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-06-05",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "IL"
        },
        "years_experience": 12,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/oscar-padilla",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "Office in Chicago, IL",
        "Licensed in IL: confirmed with the Illinois regulator (license 31.0082027), verified 2026-10-28",
        "Earliest state license record: June 5, 2023 (Illinois), per state regulator",
        "States 12 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/oscar-padilla-983144",
      "license_check": {
        "state": "IL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in IL: confirmed with the Illinois regulator (license 31.0082027), verified 2026-10-28",
        "verified_at": "2026-10-28",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html"
      }
    },
    {
      "rank": 8,
      "score": 41,
      "loan_officer": {
        "nmls_id": 443244,
        "slug": "donna-patricia-glaaser-443244",
        "full_name": "Donna Patricia Glaaser",
        "canonical_url": "https://lendb.ai/lo/donna-patricia-glaaser-443244",
        "json_url": "https://lendb.ai/lo/donna-patricia-glaaser-443244.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": "Skokie",
          "state": "IL"
        },
        "headshot_url": "http://a.mktgcdn.com/p/l-A9GozRTBcLG8qLGbOdDN-LaO3k6wv6l-r34fL39rY/800x1200.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "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": 23,
        "lender_profile_url": "https://homelendingadvisor.chase.com/il/skokie/7941-lincoln-ave-hla-443244",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Skokie, IL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 23 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/donna-patricia-glaaser-443244",
      "license_check": {
        "state": "IL",
        "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
      }
    },
    {
      "rank": 9,
      "score": 41,
      "loan_officer": {
        "nmls_id": 443817,
        "slug": "antonio-alvarez-443817",
        "full_name": "Antonio Alvarez",
        "canonical_url": "https://lendb.ai/lo/antonio-alvarez-443817",
        "json_url": "https://lendb.ai/lo/antonio-alvarez-443817.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": "Orland Park",
          "state": "IL"
        },
        "headshot_url": "http://a.mktgcdn.com/p/FSyEHe9cJNIZQ0Co89my1xeigtrSbetaE2V_4o7tzc0/834x1250.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "vacation-home",
            "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"
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        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 21,
        "lender_profile_url": "https://homelendingadvisor.chase.com/il/orland-park/15100-s-lagrange-rd-hla-443817",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Orland Park, IL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 21 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/antonio-alvarez-443817",
      "license_check": {
        "state": "IL",
        "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
      }
    },
    {
      "rank": 10,
      "score": 41,
      "loan_officer": {
        "nmls_id": 444887,
        "slug": "miriam-stella-moyeno-delgado-444887",
        "full_name": "Miriam Stella Moyeno-Delgado",
        "canonical_url": "https://lendb.ai/lo/miriam-stella-moyeno-delgado-444887",
        "json_url": "https://lendb.ai/lo/miriam-stella-moyeno-delgado-444887.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": {
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          "state": "IL"
        },
        "headshot_url": "http://a.mktgcdn.com/p/BNR3h3MI2Ol5Gil6PYx8ZpnKNCm9mwxVF9TVFzHekqs/600x900.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
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        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
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        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://homelendingadvisor.chase.com/il/chicago/2235-n-milwaukee-ave-hla-444887",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Chicago, IL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/miriam-stella-moyeno-delgado-444887",
      "license_check": {
        "state": "IL",
        "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
      }
    },
    {
      "rank": 11,
      "score": 40.8,
      "loan_officer": {
        "nmls_id": 1606309,
        "slug": "sandra-ortiz-1606309",
        "full_name": "Sandra Ortiz",
        "canonical_url": "https://lendb.ai/lo/sandra-ortiz-1606309",
        "json_url": "https://lendb.ai/lo/sandra-ortiz-1606309.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "slug": "crosscountry-mortgage-3029",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Hanover Park",
          "state": "IL"
        },
        "headshot_url": "https://thevault.ccm.com/m/45bd04f5bc76df1a/Website-3016_Ortiz_1606309.jpg",
        "licensed_states": [
          "TX",
          "WI",
          "IL",
          "IN"
        ],
        "licenses": [
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
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          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "refinance",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
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        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-04-10",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "IL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/hanover-park-il-3016/sandra-ortiz/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-22)",
        "Office in Hanover Park, IL",
        "Licensed in IL: confirmed with the Illinois regulator (license 31.0047776), verified 2026-10-28",
        "Earliest state license record: April 10, 2017 (Illinois), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/sandra-ortiz-1606309",
      "license_check": {
        "state": "IL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in IL: confirmed with the Illinois regulator (license 31.0047776), verified 2026-10-28",
        "verified_at": "2026-10-28",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html"
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    },
    {
      "rank": 12,
      "score": 40.3,
      "loan_officer": {
        "nmls_id": 503141,
        "slug": "lisa-d-amico-finch-503141",
        "full_name": "Lisa D'Amico-Finch",
        "canonical_url": "https://lendb.ai/lo/lisa-d-amico-finch-503141",
        "json_url": "https://lendb.ai/lo/lisa-d-amico-finch-503141.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": {
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          "state": "IL"
        },
        "headshot_url": "http://a.mktgcdn.com/p/6KeGnAzx4AfEjhLtdvnoRRZGwjWBnod45Xq_EI-2EnA/300x450.jpg",
        "licensed_states": [],
        "licenses": [],
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        "languages": [
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          "it"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
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        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://homelendingadvisor.chase.com/il/willowbrook/730-plainfield-rd-hla-503141",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Willowbrook, IL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/lisa-d-amico-finch-503141",
      "license_check": {
        "state": "IL",
        "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",
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    },
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      "rank": 13,
      "score": 38.3,
      "loan_officer": {
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        "full_name": "Berenice Nava",
        "canonical_url": "https://lendb.ai/lo/berenice-nava-1792854",
        "json_url": "https://lendb.ai/lo/berenice-nava-1792854.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "slug": "crosscountry-mortgage-3029",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "IL"
        },
        "headshot_url": "https://thevault.ccm.com/m/34770688e4fb4f56/Website-7109_Nava_1792854.jpg",
        "licensed_states": [
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        "licenses": [
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            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [
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        ],
        "specialties": [
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            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
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          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "heloc",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
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        ],
        "years_licensed": null,
        "earliest_license_record": {
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          "state": "IL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "IL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/chicago-il-7109/berenice-nava/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
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        "Licensed in IL: confirmed with the Illinois regulator (license 31.0079262), verified 2026-10-28",
        "Earliest state license record: August 14, 2022 (Illinois), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/berenice-nava-1792854",
      "license_check": {
        "state": "IL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in IL: confirmed with the Illinois regulator (license 31.0079262), verified 2026-10-28",
        "verified_at": "2026-10-28",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html"
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    },
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      "rank": 14,
      "score": 38.3,
      "loan_officer": {
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        "full_name": "Rubi Gonzalez",
        "canonical_url": "https://lendb.ai/lo/rubi-gonzalez-2251205",
        "json_url": "https://lendb.ai/lo/rubi-gonzalez-2251205.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "slug": "crosscountry-mortgage-3029",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "IL"
        },
        "headshot_url": "https://thevault.ccm.com/m/94a3a816a0f0797e/Website-7109_Gonzalez_2251205.jpg",
        "licensed_states": [
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        "licenses": [
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            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [
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        ],
        "specialties": [
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
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          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "heloc",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
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            "source": "HUD",
            "as_of": "2026-08"
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        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-03-29",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "IL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/chicago-il-7109/rubi-gonzalez/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
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        "Office in Chicago, IL",
        "Licensed in IL: confirmed with the Illinois regulator (license 31.0076882), verified 2026-10-28",
        "Earliest state license record: March 29, 2022 (Illinois), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/rubi-gonzalez-2251205",
      "license_check": {
        "state": "IL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in IL: confirmed with the Illinois regulator (license 31.0076882), verified 2026-10-28",
        "verified_at": "2026-10-28",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html"
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    },
    {
      "rank": 15,
      "score": 37.8,
      "loan_officer": {
        "nmls_id": 425569,
        "slug": "arpan-shah-425569",
        "full_name": "Arpan Shah",
        "canonical_url": "https://lendb.ai/lo/arpan-shah-425569",
        "json_url": "https://lendb.ai/lo/arpan-shah-425569.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": {
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          "state": "IL"
        },
        "headshot_url": "http://a.mktgcdn.com/p/B4KKJuflHJWjZoIadPhWgOEkElhFUlWijdMFe9IiMsw/683x1024.jpg",
        "licensed_states": [],
        "licenses": [],
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        "languages": [
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          "gu",
          "hi"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "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": 15,
        "lender_profile_url": "https://homelendingadvisor.chase.com/il/chicago/5134-n-clark-st-hla-425569",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Chicago, IL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 15 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/arpan-shah-425569",
      "license_check": {
        "state": "IL",
        "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",
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      }
    },
    {
      "rank": 16,
      "score": 37.8,
      "loan_officer": {
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        "full_name": "Eduardo Padilla",
        "canonical_url": "https://lendb.ai/lo/eduardo-padilla-443477",
        "json_url": "https://lendb.ai/lo/eduardo-padilla-443477.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": {
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          "state": "IL"
        },
        "headshot_url": "http://a.mktgcdn.com/p/hrmNZ-yFvEk_nyRWVceNbMq-iQLXaGygbf9wGiAoRKs/600x900.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
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        ],
        "specialties": [
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            "evidence": "lender_page_text"
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        "lender_offers": [],
        "employer_program_approvals": [
          {
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            "as_of": "2026-08"
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        "years_licensed": null,
        "earliest_license_record": {
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          "state": "WI"
        },
        "licensed_since": {
          "year": 2022,
          "state": "WI"
        },
        "years_experience": 15,
        "lender_profile_url": "https://homelendingadvisor.chase.com/il/glenview/990-river-dr-hla-443477",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Glenview, IL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: March 2, 2022 (Wisconsin), per state regulator",
        "States 15 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/eduardo-padilla-443477",
      "license_check": {
        "state": "IL",
        "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",
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        "full_name": "Manny Rodriguez",
        "canonical_url": "https://lendb.ai/lo/emmanuel-rodriguez-2257359",
        "json_url": "https://lendb.ai/lo/emmanuel-rodriguez-2257359.json",
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          "slug": "lower-1124061",
          "canonical_url": "https://lendb.ai/lender/lower-1124061",
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        "licenses": [
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          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
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        ],
        "federal_registration_likely": false,
        "languages": [
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        "lender_offers": [
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          "heloc",
          "investor",
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          "va",
          "vacation-home"
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          {
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        "licensed_since": {
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        "Speaks Spanish (lender page, verified 2026-10-10)",
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        "Earliest state license record: August 15, 2022 (Illinois), per state regulator"
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      "canonical_url": "https://lendb.ai/lo/emmanuel-rodriguez-2257359",
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        "state": "IL",
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        "Earliest state license record: May 31, 2022 (Illinois), per state regulator"
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        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 10 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/george-sanchez-848177",
      "license_check": {
        "state": "IL",
        "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
      }
    },
    {
      "rank": 25,
      "score": 32,
      "loan_officer": {
        "nmls_id": 503574,
        "slug": "maricela-luna-503574",
        "full_name": "Maricela Luna",
        "canonical_url": "https://lendb.ai/lo/maricela-luna-503574",
        "json_url": "https://lendb.ai/lo/maricela-luna-503574.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": "Aurora",
          "state": "IL"
        },
        "headshot_url": "http://a.mktgcdn.com/p/Gg0L5rIv6_m7K_3JKfNkuIdz5FQL4T4q3BNRoHiFkKw/800x1200.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "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": {
          "date": "2024-02-20",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2024,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/il/aurora/1500-n-orchard-rd-hla-503574",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-26)",
        "Office in Aurora, IL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: February 20, 2024 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/maricela-luna-503574",
      "license_check": {
        "state": "IL",
        "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
      }
    }
  ]
}