{
  "canonical_url": "https://lendb.ai/lang/gu/texas",
  "summary": "As of 2026-10-19, LenDb lists 2 loan officers licensed in or based in Texas whose lender pages say they speak Gujarati. The top-ranked are Nirav Jariwala (Loan Factory) and Amrita Pataskar (JPMorgan Chase Bank (Chase Home Lending), Magnolia). Ranking is lender-neutral: a license in TX, 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": "TX",
  "total": 2,
  "last_verified": "2026-10-19",
  "results": [
    {
      "rank": 1,
      "score": 36.8,
      "loan_officer": {
        "nmls_id": 2386938,
        "slug": "nirav-jariwala-2386938",
        "full_name": "Nirav Jariwala",
        "licensed_names": [
          {
            "name": "Nirav Jariwala",
            "name_with_middle_initial": "Nirav K. Jariwala",
            "first_name": "Nirav",
            "middle_initial": "K",
            "last_name": "Jariwala",
            "states": [
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-12"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/nirav-jariwala-2386938",
        "json_url": "https://lendb.ai/lo/nirav-jariwala-2386938.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": "TX"
        },
        "headshot_url": "https://lh3.googleusercontent.com/WUsDqNtkIgXrMU04r-j9M220ELXsRdAY60VfiiYoePSMRxq4UinH2HHZHlL30jhOeJ8f3ksLCuOr-zUErQZP_DgUyKxNw3QNoHnT",
        "licensed_states": [
          "TX"
        ],
        "licenses": [
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "gu",
          "hi",
          "mr",
          "te"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-07-28",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2022,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/nirav-jariwala-2386938",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Gujarati (lender page, verified 2026-10-09)",
        "Office in Texas",
        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "Earliest state license record: July 28, 2022 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/nirav-jariwala-2386938",
      "license_check": {
        "state": "TX",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
      }
    },
    {
      "rank": 2,
      "score": 31,
      "loan_officer": {
        "nmls_id": 1861633,
        "slug": "amrita-pataskar-1861633",
        "full_name": "Amrita Pataskar",
        "canonical_url": "https://lendb.ai/lo/amrita-pataskar-1861633",
        "json_url": "https://lendb.ai/lo/amrita-pataskar-1861633.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": "Magnolia",
          "state": "TX"
        },
        "headshot_url": "http://a.mktgcdn.com/p/2wTxIH5sfya7H1J20qxLI6j5Iv5mSM2-fUrrVUqyS2g/835x1250.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "gu",
          "hi",
          "ur"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/tx/magnolia/6611-fm-1488-rd-hla-1861633",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Gujarati (lender page, verified 2026-10-19)",
        "Office in Magnolia, TX",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/amrita-pataskar-1861633",
      "license_check": {
        "state": "TX",
        "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
      }
    }
  ]
}