{
  "canonical_url": "https://lendb.ai/lang/hi/illinois",
  "summary": "As of 2026-10-28, LenDb lists 8 loan officers licensed in or based in Illinois whose lender pages say they speak Hindi. The top-ranked are Hetul Thakkar (Loan Factory), Arpan Shah (JPMorgan Chase Bank (Chase Home Lending), Chicago) and Shreejung Rai (CrossCountry Mortgage, Chicago). Ranking is lender-neutral: a license in IL, 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": "hi",
  "state": "IL",
  "total": 8,
  "last_verified": "2026-10-28",
  "results": [
    {
      "rank": 1,
      "score": 38,
      "loan_officer": {
        "nmls_id": 2157971,
        "slug": "hetul-thakkar-2157971",
        "full_name": "Hetul Thakkar",
        "canonical_url": "https://lendb.ai/lo/hetul-thakkar-2157971",
        "json_url": "https://lendb.ai/lo/hetul-thakkar-2157971.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": "IL"
        },
        "headshot_url": "https://lh3.googleusercontent.com/Tw0Ryz2H1-GU-y54X1jrc7vDj6pTvLSCpEL8nNczOEv-VwQ-J8QBymFbu4h5x8DSm_YzY6Lg7SGV82S8LmWbSIrR2hIk5RRC3kbR",
        "licensed_states": [
          "IL"
        ],
        "licenses": [
          {
            "state": "IL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "gu",
          "hi",
          "pa",
          "ur"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-06-22",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "IL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/hetul-thakkar-2157971",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Hindi (lender page, verified 2026-10-09)",
        "Office in Illinois",
        "Licensed in IL: confirmed with the Illinois regulator (license 31.0069801), verified 2026-10-28",
        "Earliest state license record: June 22, 2021 (Illinois), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/hetul-thakkar-2157971",
      "license_check": {
        "state": "IL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in IL: confirmed with the Illinois regulator (license 31.0069801), verified 2026-10-28",
        "verified_at": "2026-10-28",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html"
      }
    },
    {
      "rank": 2,
      "score": 37.8,
      "loan_officer": {
        "nmls_id": 425569,
        "slug": "arpan-shah-425569",
        "full_name": "Arpan Shah",
        "canonical_url": "https://lendb.ai/lo/arpan-shah-425569",
        "json_url": "https://lendb.ai/lo/arpan-shah-425569.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": "Chicago",
          "state": "IL"
        },
        "headshot_url": "http://a.mktgcdn.com/p/B4KKJuflHJWjZoIadPhWgOEkElhFUlWijdMFe9IiMsw/683x1024.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es",
          "gu",
          "hi"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "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": 15,
        "lender_profile_url": "https://homelendingadvisor.chase.com/il/chicago/5134-n-clark-st-hla-425569",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Hindi (lender page, verified 2026-10-19)",
        "Office in Chicago, IL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 15 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/arpan-shah-425569",
      "license_check": {
        "state": "IL",
        "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": 3,
      "score": 36.8,
      "loan_officer": {
        "nmls_id": 2687895,
        "slug": "shreejung-rai-2687895",
        "full_name": "Shreejung Rai",
        "canonical_url": "https://lendb.ai/lo/shreejung-rai-2687895",
        "json_url": "https://lendb.ai/lo/shreejung-rai-2687895.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": "Chicago",
          "state": "IL"
        },
        "headshot_url": "https://thevault.ccm.com/asset/04efcfff-7534-421a-9315-95a3247b77b3/Website/7109_Rai_2687895.jpg",
        "licensed_states": [
          "IL"
        ],
        "licenses": [
          {
            "state": "IL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "ne"
        ],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-07-30",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "IL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/chicago-il-7109/shreejung-rai/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Hindi (lender page, verified 2026-10-26)",
        "Office in Chicago, IL",
        "Licensed in IL: confirmed with the Illinois regulator (license 31.0091025), verified 2026-10-28",
        "Earliest state license record: July 30, 2025 (Illinois), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/shreejung-rai-2687895",
      "license_check": {
        "state": "IL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in IL: confirmed with the Illinois regulator (license 31.0091025), verified 2026-10-28",
        "verified_at": "2026-10-28",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html"
      }
    },
    {
      "rank": 4,
      "score": 31,
      "loan_officer": {
        "nmls_id": 1632665,
        "slug": "bhawna-kapoor-1632665",
        "full_name": "Bhawna Kapoor",
        "canonical_url": "https://lendb.ai/lo/bhawna-kapoor-1632665",
        "json_url": "https://lendb.ai/lo/bhawna-kapoor-1632665.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": "Aurora",
          "state": "IL"
        },
        "headshot_url": "http://a.mktgcdn.com/p/IbN9cxMeQ1I_NAp8ILwJFTaevpS7YDS36PWM8V89CI8/306x458.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "hi"
        ],
        "specialties": [
          {
            "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/il/aurora/1188-n-eola-rd-hla-1632665",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Hindi (lender page, verified 2026-10-19)",
        "Office in Aurora, IL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/bhawna-kapoor-1632665",
      "license_check": {
        "state": "IL",
        "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": 5,
      "score": 30.3,
      "loan_officer": {
        "nmls_id": 443577,
        "slug": "nabila-wadwani-443577",
        "full_name": "Nabila Wadwani",
        "canonical_url": "https://lendb.ai/lo/nabila-wadwani-443577",
        "json_url": "https://lendb.ai/lo/nabila-wadwani-443577.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": "Chicago",
          "state": "IL"
        },
        "headshot_url": "http://a.mktgcdn.com/p/aLTy-Wd1MBCk15DWwXURM7HA0JxoHAWP580cN08qBI0/800x1200.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "gu",
          "hi",
          "ur"
        ],
        "specialties": [
          {
            "slug": "vacation-home",
            "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": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/il/chicago/6131-n-lincoln-ave-hla-443577",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Hindi (lender page, verified 2026-10-19)",
        "Office in Chicago, IL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/nabila-wadwani-443577",
      "license_check": {
        "state": "IL",
        "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": 6,
      "score": 29.3,
      "loan_officer": {
        "nmls_id": 1206527,
        "slug": "rajani-kandula-1206527",
        "full_name": "Rajani Kandula",
        "canonical_url": "https://lendb.ai/lo/rajani-kandula-1206527",
        "json_url": "https://lendb.ai/lo/rajani-kandula-1206527.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": "Morton Grove",
          "state": "IL"
        },
        "headshot_url": null,
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "hi"
        ],
        "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/rajanikandula",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Hindi (lender page, verified 2026-10-19)",
        "Office in Morton Grove, IL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/rajani-kandula-1206527",
      "license_check": {
        "state": "IL",
        "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": 7,
      "score": 25.3,
      "loan_officer": {
        "nmls_id": 2142434,
        "slug": "venkata-rajanees-jandhyam-2142434",
        "full_name": "Venkata Rajaneesh Jandhyam",
        "canonical_url": "https://lendb.ai/lo/venkata-rajanees-jandhyam-2142434",
        "json_url": "https://lendb.ai/lo/venkata-rajanees-jandhyam-2142434.json",
        "lender": {
          "nmls_id": 1666674,
          "name": "ENSURE HOME LOANS LLC",
          "slug": "ensure-home-loans-llc-1666674",
          "canonical_url": "https://lendb.ai/lender/ensure-home-loans-llc-1666674",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://bjrpqrnsxfdkicxrvani.supabase.co/storage/v1/object/public/officer-photos/onboard/1779402745283-x1e0ikrm1fb.jpg",
        "licensed_states": [
          "TX",
          "CA",
          "IL",
          "KS"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "te"
        ],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-12-02",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2021,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://ensurehomeloans.com/loan-officers/venkata-rajaneesh-jandhyam",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Hindi (lender page, verified 2026-10-15)",
        "IL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 2, 2021 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/venkata-rajanees-jandhyam-2142434",
      "license_check": {
        "state": "IL",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://ensurehomeloans.com/loan-officers/venkata-rajaneesh-jandhyam"
      }
    },
    {
      "rank": 8,
      "score": 21.8,
      "loan_officer": {
        "nmls_id": 2718027,
        "slug": "kamal-kafle-2718027",
        "full_name": "Kamal Kafle",
        "licensed_names": [
          {
            "name": "Kamal Kafle",
            "name_with_middle_initial": "Kamal K. Kafle",
            "first_name": "Kamal",
            "middle_initial": "K",
            "last_name": "Kafle",
            "states": [
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-12"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/kamal-kafle-2718027",
        "json_url": "https://lendb.ai/lo/kamal-kafle-2718027.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/Am0TgMo98mW8WDsxRUwA85UcLfNX2O4AZRGDGE6UiBS3TwadQP8QBFu_Zc5U_sFzm3nZy1Ry5wPzMvb5R1OfWx6RC3JZhGfYyiG9",
        "licensed_states": [
          "GA",
          "IL",
          "NC",
          "TX"
        ],
        "licenses": [
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "ne"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-09-25",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2025,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/kamal-kafle-2718027",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Hindi (lender page, verified 2026-10-09)",
        "IL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 25, 2025 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/kamal-kafle-2718027",
      "license_check": {
        "state": "IL",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IL 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/kamal-kafle-2718027"
      }
    }
  ]
}