{
  "canonical_url": "https://lendb.ai/lang/gu/hawaii",
  "summary": "As of 2026-10-09, LenDb lists 1 loan officer licensed in or based in Hawaii whose lender pages say they speak Gujarati. The top-ranked is DiPali Shah (Loan Factory). Ranking is lender-neutral: a license in HI, 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": "gu",
  "state": "HI",
  "total": 1,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 32,
      "loan_officer": {
        "nmls_id": 1952782,
        "slug": "dipali-shah-1952782",
        "full_name": "DiPali Shah",
        "licensed_names": [
          {
            "name": "DiPali Shah",
            "name_with_middle_initial": "DiPali N. Shah",
            "first_name": "DiPali",
            "middle_initial": "N",
            "last_name": "Shah",
            "states": [
              "CA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/dipali-shah-1952782",
        "json_url": "https://lendb.ai/lo/dipali-shah-1952782.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "slug": "loan-factory-320841",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://lh3.googleusercontent.com/j-gwR8Mbf3ny_xEYz2ujELEwamUpIdONL6vTfykNUwBnTHnIDBc9ZlAwIf4-vgNwHxgi3v16mwLnzQRH-D4yzPGvx5-VRIRaeZo9",
        "licensed_states": [
          "CA",
          "HI"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es",
          "gu",
          "zh"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-07-24",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2025,
          "state": "CA"
        },
        "years_experience": 28,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/dipali-shah-1952782",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Gujarati (lender page, verified 2026-10-09)",
        "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 24, 2025 (California), per state regulator",
        "States 28 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/dipali-shah-1952782",
      "license_check": {
        "state": "HI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/dipali-shah-1952782"
      }
    }
  ]
}