{
  "canonical_url": "https://lendb.ai/lang/es/missouri",
  "summary": "As of 2026-10-26, LenDb lists 12 loan officers licensed in or based in Missouri whose lender pages say they speak Spanish. The top-ranked are Eddy Gonzalez (Guild Mortgage, Weldon Spring), Norma Queiroga (Guild Mortgage, Chesterfield) and Kathleen Spies (First Mid Bank & Trust, St Louis). Ranking is lender-neutral: a license in MO, 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": "MO",
  "total": 12,
  "last_verified": "2026-10-26",
  "results": [
    {
      "rank": 1,
      "score": 43.5,
      "loan_officer": {
        "nmls_id": 802027,
        "slug": "eddy-gonzalez-802027",
        "full_name": "Eddy Gonzalez",
        "canonical_url": "https://lendb.ai/lo/eddy-gonzalez-802027",
        "json_url": "https://lendb.ai/lo/eddy-gonzalez-802027.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": "Weldon Spring",
          "state": "MO"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/cnego-eddy-gonzalez.jpg",
        "licensed_states": [
          "MO",
          "IL"
        ],
        "licenses": [
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "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": "2024-03-12",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2024,
          "state": "IL"
        },
        "years_experience": 14,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/weldonspring/eddy-gonzalez-158-cnego.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Weldon Spring, MO",
        "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "Earliest state license record: March 12, 2024 (Illinois), per state regulator",
        "States 14 years of experience (lender page, 2026-10-19)"
      ],
      "canonical_url": "https://lendb.ai/lo/eddy-gonzalez-802027",
      "license_check": {
        "state": "MO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "verified_at": "2026-10-19",
        "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search"
      }
    },
    {
      "rank": 2,
      "score": 40.8,
      "loan_officer": {
        "nmls_id": 712709,
        "slug": "norma-queiroga-712709",
        "full_name": "Norma Queiroga",
        "licensed_names": [
          {
            "name": "Maria Queiroga",
            "name_with_middle_initial": "Maria N. Queiroga",
            "first_name": "Maria",
            "middle_initial": "N",
            "last_name": "Queiroga",
            "states": [
              "IL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-27"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/norma-queiroga-712709",
        "json_url": "https://lendb.ai/lo/norma-queiroga-712709.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": "Chesterfield",
          "state": "MO"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/cnnwe-norma-queiroga.jpg",
        "licensed_states": [
          "IL",
          "MO"
        ],
        "licenses": [
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es",
          "pt"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "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": "2021-07-08",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "IL"
        },
        "years_experience": 15,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/chesterfield/norma-queiroga-714-cnnwe.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Chesterfield, MO",
        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 8, 2021 (Illinois), per state regulator",
        "States 15 years of experience (lender page, 2026-10-19)"
      ],
      "canonical_url": "https://lendb.ai/lo/norma-queiroga-712709",
      "license_check": {
        "state": "MO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-19",
        "source_url": "https://branches.guildmortgage.com/mo/chesterfield/norma-queiroga-714-cnnwe.html"
      }
    },
    {
      "rank": 3,
      "score": 38.8,
      "loan_officer": {
        "nmls_id": 1398837,
        "slug": "kathleen-spies-1398837",
        "full_name": "Kathleen Spies",
        "canonical_url": "https://lendb.ai/lo/kathleen-spies-1398837",
        "json_url": "https://lendb.ai/lo/kathleen-spies-1398837.json",
        "lender": {
          "nmls_id": 411170,
          "name": "First Mid Bank & Trust",
          "slug": "first-mid-bank-trust-411170",
          "canonical_url": "https://lendb.ai/lender/first-mid-bank-trust-411170",
          "type": "bank"
        },
        "branch": {
          "city": "St Louis",
          "state": "MO"
        },
        "headshot_url": "https://www.firstmid.com/assets/files/LYjlf0PN/SpiesK_2023_275x360.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": 15,
        "lender_profile_url": "https://www.firstmid.com/staff/kathleen-spies",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-16)",
        "Office in St Louis, MO",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 15 years of experience (lender page, 2026-10-16)"
      ],
      "canonical_url": "https://lendb.ai/lo/kathleen-spies-1398837",
      "license_check": {
        "state": "MO",
        "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": 4,
      "score": 36.5,
      "loan_officer": {
        "nmls_id": 2461052,
        "slug": "brenda-carachure-2461052",
        "full_name": "Brenda Carachure",
        "licensed_names": [
          {
            "name": "Brenda Carachure",
            "name_with_middle_initial": "Brenda D. Carachure",
            "first_name": "Brenda",
            "middle_initial": "D",
            "last_name": "Carachure",
            "states": [
              "MO"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-19"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/brenda-carachure-2461052",
        "json_url": "https://lendb.ai/lo/brenda-carachure-2461052.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": "Weldon Spring",
          "state": "MO"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/cnbca-brenda-carachure.jpg",
        "licensed_states": [
          "MO",
          "IL"
        ],
        "licenses": [
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "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": "2026-05-26",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2026,
          "state": "IL"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/weldonspring/brenda-carachure-158-cnbca.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Weldon Spring, MO",
        "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "Earliest state license record: May 26, 2026 (Illinois), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/brenda-carachure-2461052",
      "license_check": {
        "state": "MO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "verified_at": "2026-10-19",
        "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search"
      }
    },
    {
      "rank": 5,
      "score": 36.5,
      "loan_officer": {
        "nmls_id": 2626401,
        "slug": "gabriela-verdugo-2626401",
        "full_name": "Gabriela Verdugo",
        "canonical_url": "https://lendb.ai/lo/gabriela-verdugo-2626401",
        "json_url": "https://lendb.ai/lo/gabriela-verdugo-2626401.json",
        "lender": {
          "nmls_id": 138063,
          "name": "Gershman Investment Corp.",
          "slug": "gershman-investment-corp-138063",
          "canonical_url": "https://lendb.ai/lender/gershman-investment-corp-138063",
          "type": "imb"
        },
        "branch": {
          "city": "Springfield",
          "state": "MO"
        },
        "headshot_url": "https://www.gershman.com/wp-content/uploads/2025/03/Gabriela-Verdugo-e1757513962894-500x383.jpg",
        "licensed_states": [
          "MO"
        ],
        "licenses": [
          {
            "state": "MO",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [],
        "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": null,
        "lender_profile_url": "https://www.gershman.com/loan-officers/gabriela-verdugo/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "Office in Springfield, MO",
        "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19"
      ],
      "canonical_url": "https://lendb.ai/lo/gabriela-verdugo-2626401",
      "license_check": {
        "state": "MO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "verified_at": "2026-10-19",
        "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search"
      }
    },
    {
      "rank": 6,
      "score": 36.3,
      "loan_officer": {
        "nmls_id": 2708162,
        "slug": "alvaro-molina-2708162",
        "full_name": "Alvaro Molina",
        "licensed_names": [
          {
            "name": "Alvaro Molina",
            "name_with_middle_initial": "Alvaro J. Molina",
            "first_name": "Alvaro",
            "middle_initial": "J",
            "last_name": "Molina",
            "states": [
              "IA",
              "MO"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-19"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/alvaro-molina-2708162",
        "json_url": "https://lendb.ai/lo/alvaro-molina-2708162.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": "Chesterfield",
          "state": "MO"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/cnamo-alvaro-molina.jpg",
        "licensed_states": [
          "MO",
          "IA",
          "IL"
        ],
        "licenses": [
          {
            "state": "IA",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "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": "2025-11-03",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "IL"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/chesterfield/alvaro-molina-558-cnamo.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Chesterfield, MO",
        "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "Earliest state license record: November 3, 2025 (Illinois), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/alvaro-molina-2708162",
      "license_check": {
        "state": "MO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "verified_at": "2026-10-19",
        "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search"
      }
    },
    {
      "rank": 7,
      "score": 35.8,
      "loan_officer": {
        "nmls_id": 2806033,
        "slug": "ximena-molina-2806033",
        "full_name": "Ximena Molina",
        "licensed_names": [
          {
            "name": "Ximena Molina",
            "name_with_middle_initial": "Ximena M. Molina",
            "first_name": "Ximena",
            "middle_initial": "M",
            "last_name": "Molina",
            "states": [
              "MO"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-19"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/ximena-molina-2806033",
        "json_url": "https://lendb.ai/lo/ximena-molina-2806033.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": "Chesterfield",
          "state": "MO"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/cnxm-ximena-molina.jpg",
        "licensed_states": [
          "MO"
        ],
        "licenses": [
          {
            "state": "MO",
            "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": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/chesterfield/ximena-molina-122-cnxm.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Chesterfield, MO",
        "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19"
      ],
      "canonical_url": "https://lendb.ai/lo/ximena-molina-2806033",
      "license_check": {
        "state": "MO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "verified_at": "2026-10-19",
        "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search"
      }
    },
    {
      "rank": 8,
      "score": 30,
      "loan_officer": {
        "nmls_id": 1913552,
        "slug": "everardo-macias-1913552",
        "full_name": "Everardo Macias",
        "canonical_url": "https://lendb.ai/lo/everardo-macias-1913552",
        "json_url": "https://lendb.ai/lo/everardo-macias-1913552.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": "Saint Louis",
          "state": "MO"
        },
        "headshot_url": "https://images.em.bankofamerica.com/AMP/55995070-D84E-4437-BF73-C1204D3C5E41.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/everardo-macias",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Saint Louis, MO",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/everardo-macias-1913552",
      "license_check": {
        "state": "MO",
        "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": 29.3,
      "loan_officer": {
        "nmls_id": 499094,
        "slug": "naomi-villafan-499094",
        "full_name": "Naomi Villafan",
        "canonical_url": "https://lendb.ai/lo/naomi-villafan-499094",
        "json_url": "https://lendb.ai/lo/naomi-villafan-499094.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": "Springfield",
          "state": "MO"
        },
        "headshot_url": null,
        "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/naomi-villafan",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Springfield, MO",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/naomi-villafan-499094",
      "license_check": {
        "state": "MO",
        "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": 22.8,
      "loan_officer": {
        "nmls_id": 499676,
        "slug": "tally-rivera-499676",
        "full_name": "Tally Rivera",
        "canonical_url": "https://lendb.ai/lo/tally-rivera-499676",
        "json_url": "https://lendb.ai/lo/tally-rivera-499676.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": "Overland Park",
          "state": "KS"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/cntri-tally-rivera.jpg",
        "licensed_states": [
          "KS",
          "MO"
        ],
        "licenses": [
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          }
        ],
        "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": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ks/overlandpark/tally-rivera-616-cntri.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-26)",
        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/tally-rivera-499676",
      "license_check": {
        "state": "MO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO 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/ks/overlandpark/tally-rivera-616-cntri.html"
      }
    }
  ]
}