{
  "canonical_url": "https://lendb.ai/lang/es/minnesota",
  "summary": "As of 2026-10-26, LenDb lists 12 loan officers licensed in or based in Minnesota whose lender pages say they speak Spanish. The top-ranked are Marco Rodiles (Granite Bank, Eden Prairie), Jaqueline Ramirez (Summit Mortgage Corporation, Plymouth) and Sebastian Borras (Homeowners Financial Group, Waite Park). Ranking is lender-neutral: a license in MN, 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": "MN",
  "total": 12,
  "last_verified": "2026-10-26",
  "results": [
    {
      "rank": 1,
      "score": 36.8,
      "loan_officer": {
        "nmls_id": 1640935,
        "slug": "marco-rodiles-1640935",
        "full_name": "Marco Rodiles",
        "canonical_url": "https://lendb.ai/lo/marco-rodiles-1640935",
        "json_url": "https://lendb.ai/lo/marco-rodiles-1640935.json",
        "lender": {
          "nmls_id": 405434,
          "name": "Granite Bank",
          "slug": "granite-bank-405434",
          "canonical_url": "https://lendb.ai/lender/granite-bank-405434",
          "type": "bank"
        },
        "branch": {
          "city": "Eden Prairie",
          "state": "MN"
        },
        "headshot_url": "https://granitebank.com/wp-content/uploads/2026/10/Marco-Rodiles-Headshot-300x300.jpeg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2019-09-30",
          "state": "WI"
        },
        "licensed_since": {
          "year": 2019,
          "state": "WI"
        },
        "years_experience": 10,
        "lender_profile_url": "https://granitebank.com/loan-officer/marcorodiles/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-16)",
        "Office in Eden Prairie, MN",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: September 30, 2019 (Wisconsin), per state regulator",
        "States 10 years of experience (lender page, 2026-10-16)"
      ],
      "canonical_url": "https://lendb.ai/lo/marco-rodiles-1640935",
      "license_check": {
        "state": "MN",
        "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": "2026-10-16",
        "source_url": null
      }
    },
    {
      "rank": 2,
      "score": 33.3,
      "loan_officer": {
        "nmls_id": 2689614,
        "slug": "jaqueline-ramirez-2689614",
        "full_name": "Jaqueline Ramirez",
        "canonical_url": "https://lendb.ai/lo/jaqueline-ramirez-2689614",
        "json_url": "https://lendb.ai/lo/jaqueline-ramirez-2689614.json",
        "lender": {
          "nmls_id": 1041,
          "name": "Summit Mortgage Corporation",
          "slug": "summit-mortgage-corporation-1041",
          "canonical_url": "https://lendb.ai/lender/summit-mortgage-corporation-1041",
          "type": "other"
        },
        "branch": {
          "city": "Plymouth",
          "state": "MN"
        },
        "headshot_url": "https://www.summit-mortgage.com/wp-content/uploads/J_RamirezC-400x400.png",
        "licensed_states": [
          "MN",
          "WI"
        ],
        "licenses": [
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "jumbo",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2026-06-09",
          "state": "WI"
        },
        "licensed_since": {
          "year": 2026,
          "state": "WI"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.summit-mortgage.com/loan-officer/jaqueline-ramirez/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "Office in Plymouth, MN",
        "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 9, 2026 (Wisconsin), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/jaqueline-ramirez-2689614",
      "license_check": {
        "state": "MN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://www.summit-mortgage.com/loan-officer/jaqueline-ramirez/"
      }
    },
    {
      "rank": 3,
      "score": 32.8,
      "loan_officer": {
        "nmls_id": 2639473,
        "slug": "sebastian-borras-2639473",
        "full_name": "Sebastian Borras",
        "canonical_url": "https://lendb.ai/lo/sebastian-borras-2639473",
        "json_url": "https://lendb.ai/lo/sebastian-borras-2639473.json",
        "lender": {
          "nmls_id": 93718,
          "name": "Homeowners Financial Group",
          "slug": "homeowners-financial-group-93718",
          "canonical_url": "https://lendb.ai/lender/homeowners-financial-group-93718",
          "type": "imb"
        },
        "branch": {
          "city": "Waite Park",
          "state": "MN"
        },
        "headshot_url": "https://homeownersfg.com/wp-content/uploads/Sebastian-Borras.jpg",
        "licensed_states": [
          "MN"
        ],
        "licenses": [
          {
            "state": "MN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "asset-based",
          "bank-statement",
          "condo",
          "condo-non-warrantable",
          "condotel",
          "down-payment-assistance",
          "dscr",
          "fha",
          "investor",
          "jumbo",
          "physician",
          "self-employed",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homeownersfg.com/sebastianborras/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "Office in Waite Park, MN",
        "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/sebastian-borras-2639473",
      "license_check": {
        "state": "MN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://homeownersfg.com/sebastianborras/"
      }
    },
    {
      "rank": 4,
      "score": 31.3,
      "loan_officer": {
        "nmls_id": 2617668,
        "slug": "suheily-cruz-perez-2617668",
        "full_name": "Suheily Cruz Perez",
        "canonical_url": "https://lendb.ai/lo/suheily-cruz-perez-2617668",
        "json_url": "https://lendb.ai/lo/suheily-cruz-perez-2617668.json",
        "lender": {
          "nmls_id": 405434,
          "name": "Granite Bank",
          "slug": "granite-bank-405434",
          "canonical_url": "https://lendb.ai/lender/granite-bank-405434",
          "type": "bank"
        },
        "branch": {
          "city": "Champlin",
          "state": "MN"
        },
        "headshot_url": "https://granitebank.com/wp-content/uploads/2024/10/Suheily-Cruz-Perez-1080-300x300.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://granitebank.com/loan-officer/suheilycruzperez/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-26)",
        "Office in Champlin, MN",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/suheily-cruz-perez-2617668",
      "license_check": {
        "state": "MN",
        "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": 5,
      "score": 31,
      "loan_officer": {
        "nmls_id": 342188,
        "slug": "nancy-hostetler-342188",
        "full_name": "Nancy Hostetler",
        "canonical_url": "https://lendb.ai/lo/nancy-hostetler-342188",
        "json_url": "https://lendb.ai/lo/nancy-hostetler-342188.json",
        "lender": {
          "nmls_id": 419538,
          "name": "Bell Bank",
          "slug": "bell-bank-419538",
          "canonical_url": "https://lendb.ai/lender/bell-bank-419538",
          "type": "bank"
        },
        "branch": {
          "city": "Minneapolis",
          "state": "MN"
        },
        "headshot_url": "https://edge.sitecorecloud.io/bellbank1e14e-bellbankab0c-prod3ddb-d33b/media/project/bellbank/bellbankcorporate/mortgage/lender-sites/loan-officers/nancy-hostetler/nancy-hostetler-profile-image.png?h=108&iar=0&w=108",
        "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": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://bell.bank/mortgage/loan-officer/nancyhostetler",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-16)",
        "Office in Minneapolis, MN",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/nancy-hostetler-342188",
      "license_check": {
        "state": "MN",
        "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": "2026-10-16",
        "source_url": null
      }
    },
    {
      "rank": 6,
      "score": 30.8,
      "loan_officer": {
        "nmls_id": 266006,
        "slug": "pablo-madrid-266006",
        "full_name": "Alfredo Madrid",
        "licensed_names": [
          {
            "name": "Pablo Madrid",
            "name_with_middle_initial": "Pablo A. Madrid",
            "first_name": "Pablo",
            "middle_initial": "A",
            "last_name": "Madrid",
            "states": [
              "AR",
              "CA",
              "FL",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/pablo-madrid-266006",
        "json_url": "https://lendb.ai/lo/pablo-madrid-266006.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": "Tulsa",
          "state": "OK"
        },
        "headshot_url": "https://39552115.fs1.hubspotusercontent-na1.net/hubfs/39552115/Loan%20Officer%20Headshots/Alfredo%20Madrid.png",
        "licensed_states": [
          "FL",
          "TX",
          "AR",
          "CA",
          "LA",
          "MN"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2010-06-18",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2010,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.themortgagelink.com/loan-officer/alfredo-madrid",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 18, 2010 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/pablo-madrid-266006",
      "license_check": {
        "state": "MN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://www.themortgagelink.com/loan-officer/alfredo-madrid"
      }
    },
    {
      "rank": 7,
      "score": 30,
      "loan_officer": {
        "nmls_id": 209052,
        "slug": "david-rodriguez-209052",
        "full_name": "David Rodriguez",
        "canonical_url": "https://lendb.ai/lo/david-rodriguez-209052",
        "json_url": "https://lendb.ai/lo/david-rodriguez-209052.json",
        "lender": {
          "nmls_id": 208516,
          "name": "Integrity Home Mortgage Corporation",
          "slug": "integrity-home-mortgage-corporation-208516",
          "canonical_url": "https://lendb.ai/lender/integrity-home-mortgage-corporation-208516",
          "type": "imb"
        },
        "branch": {
          "city": "Jersey Village",
          "state": "TX"
        },
        "headshot_url": null,
        "licensed_states": [
          "TX",
          "AL",
          "AR",
          "CO",
          "DC",
          "DE",
          "FL",
          "GA",
          "IA",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "NC",
          "NH",
          "NJ",
          "NM",
          "OH",
          "OK",
          "PA",
          "RI",
          "SC",
          "TN",
          "UT",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "lender_reported"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2010-09-02",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2010,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://ihmcloans.com/david-rodriguez/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 2, 2010 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/david-rodriguez-209052",
      "license_check": {
        "state": "MN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://ihmcloans.com/david-rodriguez/"
      }
    },
    {
      "rank": 8,
      "score": 30,
      "loan_officer": {
        "nmls_id": 2435309,
        "slug": "graciela-mendez-2435309",
        "full_name": "Graciela Mendez",
        "canonical_url": "https://lendb.ai/lo/graciela-mendez-2435309",
        "json_url": "https://lendb.ai/lo/graciela-mendez-2435309.json",
        "lender": {
          "nmls_id": 399802,
          "name": "Bank of America",
          "slug": "bank-of-america-399802",
          "canonical_url": "https://lendb.ai/lender/bank-of-america-399802",
          "type": "bank"
        },
        "branch": {
          "city": "West Saint Paul",
          "state": "MN"
        },
        "headshot_url": "https://images.em.bankofamerica.com/AMP/4F1BC9AD-9128-408F-86FE-06F973BBCB1A.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "jumbo",
          "physician",
          "va"
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mortgage.bankofamerica.com/graciela-mendez",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in West Saint Paul, MN",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/graciela-mendez-2435309",
      "license_check": {
        "state": "MN",
        "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": 27.8,
      "loan_officer": {
        "nmls_id": 507517,
        "slug": "erik-patten-507517",
        "full_name": "Erik Patten",
        "licensed_names": [
          {
            "name": "Erik Patten",
            "name_with_middle_initial": "Erik J. Patten",
            "first_name": "Erik",
            "middle_initial": "J",
            "last_name": "Patten",
            "states": [
              "CA",
              "CO",
              "FL",
              "IA",
              "OR",
              "TX",
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-27"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/erik-patten-507517",
        "json_url": "https://lendb.ai/lo/erik-patten-507517.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": "Boulder",
          "state": "CO"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/hpep-erik-patten.jpg",
        "licensed_states": [
          "CO",
          "TX",
          "CA",
          "IA",
          "OR",
          "KS",
          "MN",
          "OK",
          "WY"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "confirmed"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "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": "2017-08-24",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2017,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/co/boulder/erik-patten-852-hpep.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-26)",
        "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 24, 2017 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/erik-patten-507517",
      "license_check": {
        "state": "MN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-26",
        "source_url": "https://branches.guildmortgage.com/co/boulder/erik-patten-852-hpep.html"
      }
    },
    {
      "rank": 10,
      "score": 27.8,
      "loan_officer": {
        "nmls_id": 1638874,
        "slug": "antonio-bardawil-1638874",
        "full_name": "Tony Bardawil",
        "licensed_names": [
          {
            "name": "Antonio Bardawil",
            "name_with_middle_initial": "Antonio V. Bardawil",
            "first_name": "Antonio",
            "middle_initial": "V",
            "last_name": "Bardawil",
            "states": [
              "CA",
              "DE",
              "FL",
              "MD",
              "NY",
              "OR",
              "PA",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
          },
          {
            "name": "Antonio Bardawil",
            "name_with_middle_initial": null,
            "first_name": "Antonio",
            "middle_initial": null,
            "last_name": "Bardawil",
            "states": [
              "IL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-27"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/antonio-bardawil-1638874",
        "json_url": "https://lendb.ai/lo/antonio-bardawil-1638874.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": "Cleveland",
          "state": "OH"
        },
        "headshot_url": "https://thevault.ccm.com/asset/48afe514-a8b1-493f-9c5c-09d5c1ac4f6a/Website/4467_Bardawil_1638874.jpg",
        "licensed_states": [
          "FL",
          "PA",
          "TX",
          "CA",
          "OR",
          "AL",
          "AZ",
          "DE",
          "GA",
          "IL",
          "KS",
          "MD",
          "MI",
          "MN",
          "NC",
          "NM",
          "OK",
          "TN",
          "WA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "physician",
          "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": "2017-07-20",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2017,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-4467/antonio-bardawil/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-26)",
        "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 20, 2017 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/antonio-bardawil-1638874",
      "license_check": {
        "state": "MN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-26",
        "source_url": "https://crosscountrymortgage.com/cleveland-oh-4467/antonio-bardawil/"
      }
    },
    {
      "rank": 11,
      "score": 24.5,
      "loan_officer": {
        "nmls_id": 2387962,
        "slug": "leonardo-bermeo-2387962",
        "full_name": "Leonardo Bermeo",
        "licensed_names": [
          {
            "name": "Leonardo Bermeo Fittante",
            "name_with_middle_initial": null,
            "first_name": "Leonardo",
            "middle_initial": null,
            "last_name": "Bermeo Fittante",
            "states": [
              "WI"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-21"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/leonardo-bermeo-2387962",
        "json_url": "https://lendb.ai/lo/leonardo-bermeo-2387962.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": "Antigo",
          "state": "WI"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/umlber-leonardo-bermeo.jpg",
        "licensed_states": [
          "MN",
          "WI"
        ],
        "licenses": [
          {
            "state": "MN",
            "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": "2024-11-25",
          "state": "WI"
        },
        "licensed_since": {
          "year": 2024,
          "state": "WI"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/wi/antigo/leonardo-bermeo-667-umlber.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 25, 2024 (Wisconsin), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/leonardo-bermeo-2387962",
      "license_check": {
        "state": "MN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://branches.guildmortgage.com/wi/antigo/leonardo-bermeo-667-umlber.html"
      }
    },
    {
      "rank": 12,
      "score": 24.3,
      "loan_officer": {
        "nmls_id": 461624,
        "slug": "john-ortega-461624",
        "full_name": "John Ortega",
        "licensed_names": [
          {
            "name": "John Ortega",
            "name_with_middle_initial": "John H. Ortega",
            "first_name": "John",
            "middle_initial": "H",
            "last_name": "Ortega",
            "states": [
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/john-ortega-461624",
        "json_url": "https://lendb.ai/lo/john-ortega-461624.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "slug": "churchill-mortgage-1591",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Irvine",
          "state": "CA"
        },
        "headshot_url": "https://info.churchillmortgage.com/hubfs/images/headshots/loan-officers/John%20Ortega.jpg",
        "licensed_states": [
          "FL",
          "AR",
          "CT",
          "MO",
          "AL",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "IN",
          "KY",
          "MA",
          "MD",
          "MI",
          "MN",
          "NJ",
          "OR",
          "PA",
          "TN",
          "VA",
          "WI"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "1099-income",
          "asset-based",
          "bank-statement",
          "condo-non-warrantable",
          "condotel",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "foreign-national",
          "heloc",
          "investor",
          "itin",
          "jumbo",
          "low-credit",
          "manufactured",
          "multi-family-2-4",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-03-16",
          "state": "IA"
        },
        "licensed_since": {
          "year": 2023,
          "state": "IA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/john-ortega",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 16, 2023 (Iowa), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/john-ortega-461624",
      "license_check": {
        "state": "MN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://www.churchillmortgage.com/loan-officers/john-ortega"
      }
    }
  ]
}