{
  "canonical_url": "https://lendb.ai/lang/es/west-virginia",
  "summary": "As of 2026-10-26, LenDb lists 7 loan officers licensed in or based in West Virginia whose lender pages say they speak Spanish. The top-ranked are Miriam Carter (JPMorgan Chase Bank (Chase Home Lending), South Charleston), Jorge Posada (The Mortgage Link, Inc., Rockville) and David Rodriguez (Integrity Home Mortgage Corporation, Jersey Village). Ranking is lender-neutral: a license in WV, 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": "WV",
  "total": 7,
  "last_verified": "2026-10-26",
  "results": [
    {
      "rank": 1,
      "score": 40,
      "loan_officer": {
        "nmls_id": 626707,
        "slug": "miriam-carter-626707",
        "full_name": "Miriam Carter",
        "canonical_url": "https://lendb.ai/lo/miriam-carter-626707",
        "json_url": "https://lendb.ai/lo/miriam-carter-626707.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": "South Charleston",
          "state": "WV"
        },
        "headshot_url": "http://a.mktgcdn.com/p/E1y_IgH5AawtcvbScfyt84Ig1K5TtG_2WxOsMMlmlfY/2538x3553.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "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": 18,
        "lender_profile_url": "https://homelendingadvisor.chase.com/wv/south-charleston/505-d-st-hla-626707",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-26)",
        "Office in South Charleston, WV",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 18 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/miriam-carter-626707",
      "license_check": {
        "state": "WV",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-26",
        "source_url": null
      }
    },
    {
      "rank": 2,
      "score": 33.3,
      "loan_officer": {
        "nmls_id": 206531,
        "slug": "jorge-posada-206531",
        "full_name": "Jorge Posada",
        "licensed_names": [
          {
            "name": "Jorge Posada",
            "name_with_middle_initial": "Jorge F. Posada",
            "first_name": "Jorge",
            "middle_initial": "F",
            "last_name": "Posada",
            "states": [
              "FL",
              "MD",
              "PA",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/jorge-posada-206531",
        "json_url": "https://lendb.ai/lo/jorge-posada-206531.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": "Rockville",
          "state": "MD"
        },
        "headshot_url": "https://39552115.fs1.hubspotusercontent-na1.net/hubfs/39552115/Loan%20Officer%20Headshots/Jorge%20Posada.png",
        "licensed_states": [
          "FL",
          "TX",
          "PA",
          "DC",
          "MD",
          "NC",
          "TN",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "fha",
            "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": "2018-05-31",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2018,
          "state": "FL"
        },
        "years_experience": 21,
        "lender_profile_url": "https://www.themortgagelink.com/loan-officer/jorge-posada",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 31, 2018 (Florida), per state regulator",
        "States 21 years of experience (lender page, 2026-10-15)"
      ],
      "canonical_url": "https://lendb.ai/lo/jorge-posada-206531",
      "license_check": {
        "state": "WV",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "WV 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/jorge-posada"
      }
    },
    {
      "rank": 3,
      "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)",
        "WV 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": "WV",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "WV 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": 4,
      "score": 24.3,
      "loan_officer": {
        "nmls_id": 1285973,
        "slug": "carolina-apaza-pacheco-1285973",
        "full_name": "Carolina Apaza-Pacheco",
        "canonical_url": "https://lendb.ai/lo/carolina-apaza-pacheco-1285973",
        "json_url": "https://lendb.ai/lo/carolina-apaza-pacheco-1285973.json",
        "lender": {
          "nmls_id": 86548,
          "name": "First Heritage Mortgage",
          "slug": "first-heritage-mortgage-86548",
          "canonical_url": "https://lendb.ai/lender/first-heritage-mortgage-86548",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://fhmtg.com/wp-content/uploads/2025/11/Carolina_Apaza_Pachecho_500.png",
        "licensed_states": [
          "FL",
          "DC",
          "MD",
          "NC",
          "SC",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "bank-statement",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "investor",
          "jumbo",
          "non-qm",
          "renovation",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-06-04",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://fhmtg.com/officers/carolina-apaza-pacheco/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 4, 2021 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/carolina-apaza-pacheco-1285973",
      "license_check": {
        "state": "WV",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://fhmtg.com/officers/carolina-apaza-pacheco/"
      }
    },
    {
      "rank": 5,
      "score": 24.3,
      "loan_officer": {
        "nmls_id": 1434924,
        "slug": "katty-inga-1434924",
        "full_name": "Katty Inga",
        "licensed_names": [
          {
            "name": "Katty Inga",
            "name_with_middle_initial": "Katty R. Inga",
            "first_name": "Katty",
            "middle_initial": "R",
            "last_name": "Inga",
            "states": [
              "FL",
              "MD"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/katty-inga-1434924",
        "json_url": "https://lendb.ai/lo/katty-inga-1434924.json",
        "lender": {
          "nmls_id": 86548,
          "name": "First Heritage Mortgage",
          "slug": "first-heritage-mortgage-86548",
          "canonical_url": "https://lendb.ai/lender/first-heritage-mortgage-86548",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://fhmtg.com/wp-content/uploads/2025/11/Katty-Inga-e1721243978222.png",
        "licensed_states": [
          "FL",
          "DC",
          "MD",
          "NC",
          "SC",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "bank-statement",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "investor",
          "jumbo",
          "non-qm",
          "renovation",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-11-24",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://fhmtg.com/officers/katty-inga/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 24, 2021 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/katty-inga-1434924",
      "license_check": {
        "state": "WV",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://fhmtg.com/officers/katty-inga/"
      }
    },
    {
      "rank": 6,
      "score": 23.8,
      "loan_officer": {
        "nmls_id": 422966,
        "slug": "adolfo-javier-gonzalez-422966",
        "full_name": "Javier Gonzalez",
        "licensed_names": [
          {
            "name": "Adolfo Gonzalez",
            "name_with_middle_initial": "Adolfo J. Gonzalez",
            "first_name": "Adolfo",
            "middle_initial": "J",
            "last_name": "Gonzalez",
            "states": [
              "FL",
              "MD"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/adolfo-javier-gonzalez-422966",
        "json_url": "https://lendb.ai/lo/adolfo-javier-gonzalez-422966.json",
        "lender": {
          "nmls_id": 86548,
          "name": "First Heritage Mortgage",
          "slug": "first-heritage-mortgage-86548",
          "canonical_url": "https://lendb.ai/lender/first-heritage-mortgage-86548",
          "type": "imb"
        },
        "branch": {
          "city": "Fairfax",
          "state": "VA"
        },
        "headshot_url": "https://fhmtg.com/wp-content/uploads/2023/12/Javier_Gonzalez_500.png",
        "licensed_states": [
          "FL",
          "MD",
          "WV"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "bank-statement",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "investor",
          "jumbo",
          "non-qm",
          "renovation",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-12-12",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://fhmtg.com/officers/javier-gonzalez/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 12, 2023 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/adolfo-javier-gonzalez-422966",
      "license_check": {
        "state": "WV",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://fhmtg.com/officers/javier-gonzalez/"
      }
    },
    {
      "rank": 7,
      "score": 23.3,
      "loan_officer": {
        "nmls_id": 2740830,
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    }
  ]
}