{
  "canonical_url": "https://lendb.ai/lang/hi/tennessee",
  "summary": "As of 2026-10-15, LenDb lists 9 loan officers licensed in or based in Tennessee whose lender pages say they speak Hindi. The top-ranked are Navaneet Dutt (Loan Factory), Bea Brahmbhatt (Loan Factory) and Kiran Varaganti (ENSURE HOME LOANS LLC). Ranking is lender-neutral: a license in TN, 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": "TN",
  "total": 9,
  "last_verified": "2026-10-15",
  "results": [
    {
      "rank": 1,
      "score": 32,
      "loan_officer": {
        "nmls_id": 2262708,
        "slug": "navaneet-dutt-2262708",
        "full_name": "Navaneet Dutt",
        "canonical_url": "https://lendb.ai/lo/navaneet-dutt-2262708",
        "json_url": "https://lendb.ai/lo/navaneet-dutt-2262708.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/0_dhS-hdneSs9uJp3DPOiOiFf5IRgTQlE0lJ48pQ4lyC_TCdPa0L0xYWtkSsgWsar0-zGxxvoluRqaXaSR4FOoIPxZqNMHDh4z-siA",
        "licensed_states": [
          "GA",
          "IN",
          "KY",
          "TN"
        ],
        "licenses": [
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 25,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/navaneet-dutt-2262708",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Hindi (lender page, verified 2026-10-09)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/navaneet-dutt-2262708",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/navaneet-dutt-2262708"
      }
    },
    {
      "rank": 2,
      "score": 32,
      "loan_officer": {
        "nmls_id": 2619642,
        "slug": "bea-brahmbhatt-2619642",
        "full_name": "Bea Brahmbhatt",
        "canonical_url": "https://lendb.ai/lo/bea-brahmbhatt-2619642",
        "json_url": "https://lendb.ai/lo/bea-brahmbhatt-2619642.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/Hc7-hs1cZ7yMvnLaoo0D8tFVz-A2OZdMFiZNnv9bFxbyK9CbT3XBgkvBMk5U5bDNy82VBrwnuEF4u-fuZWBgaP6DVIUSWIoDAEM",
        "licensed_states": [
          "GA",
          "MD",
          "PA",
          "TN",
          "VA"
        ],
        "licenses": [
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "gu",
          "hi"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/bea-brahmbhatt-2619642",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Hindi (lender page, verified 2026-10-09)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/bea-brahmbhatt-2619642",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/bea-brahmbhatt-2619642"
      }
    },
    {
      "rank": 3,
      "score": 24.8,
      "loan_officer": {
        "nmls_id": 2084229,
        "slug": "kiran-varaganti-2084229",
        "full_name": "Kiran Varaganti",
        "canonical_url": "https://lendb.ai/lo/kiran-varaganti-2084229",
        "json_url": "https://lendb.ai/lo/kiran-varaganti-2084229.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/1779461106213-enf5esrv9bw.jpeg",
        "licensed_states": [
          "FL",
          "TX",
          "CT",
          "AR",
          "CO",
          "DE",
          "IA",
          "OR",
          "PA",
          "AL",
          "AZ",
          "CA",
          "GA",
          "IL",
          "IN",
          "KS",
          "MD",
          "MI",
          "MN",
          "NC",
          "OH",
          "OK",
          "TN",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "te"
        ],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-05-14",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2022,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://ensurehomeloans.com/loan-officers/kiran-varaganti",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Hindi (lender page, verified 2026-10-15)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 14, 2022 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/kiran-varaganti-2084229",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/kiran-varaganti"
      }
    },
    {
      "rank": 4,
      "score": 24.3,
      "loan_officer": {
        "nmls_id": 2331676,
        "slug": "sai-vivek-boddu-2331676",
        "full_name": "Sai Vivek Boddu",
        "canonical_url": "https://lendb.ai/lo/sai-vivek-boddu-2331676",
        "json_url": "https://lendb.ai/lo/sai-vivek-boddu-2331676.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/1779896873791-7wovnkyxklu.jpeg",
        "licensed_states": [
          "FL",
          "TX",
          "AR",
          "NC",
          "SC",
          "TN",
          "VA"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "te"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-05-27",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2022,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://ensurehomeloans.com/loan-officers/sai-vivek-boddu",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Hindi (lender page, verified 2026-10-15)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 27, 2022 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/sai-vivek-boddu-2331676",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/sai-vivek-boddu"
      }
    },
    {
      "rank": 5,
      "score": 23,
      "loan_officer": {
        "nmls_id": 2077921,
        "slug": "lachu-siwakoti-2077921",
        "full_name": "Lachu Mon Siwakoti",
        "canonical_url": "https://lendb.ai/lo/lachu-siwakoti-2077921",
        "json_url": "https://lendb.ai/lo/lachu-siwakoti-2077921.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/YKrC68x-0st-KqmtMqkoQzh4SjGy01xy0FbaV-pPIGuU4B2RirtXD2Rxs0bLeY4luDRHMt1l6Jgp3tGN095Yza7mxCkQMuekw3NT",
        "licensed_states": [
          "PA",
          "CA",
          "KY",
          "MD",
          "NC",
          "OH",
          "TN",
          "TX"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "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": "2024-04-16",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2024,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/lachu-mon-siwakoti-2077921",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Hindi (lender page, verified 2026-10-09)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 16, 2024 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/lachu-siwakoti-2077921",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/lachu-mon-siwakoti-2077921"
      }
    },
    {
      "rank": 6,
      "score": 22.8,
      "loan_officer": {
        "nmls_id": 2526057,
        "slug": "deepa-kukunoor-2526057",
        "full_name": "Deepa Reddy Kukunoor",
        "canonical_url": "https://lendb.ai/lo/deepa-kukunoor-2526057",
        "json_url": "https://lendb.ai/lo/deepa-kukunoor-2526057.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/0TnPmS3fS5-O7HyZmzvU9-hxsyi3UjHFb1HbPnrBQhiVKa6oCaDMudJeB_6B4ErtT3l2PgLjwO27G4FNhPyPK7ibhjQyHyKr8iw",
        "licensed_states": [
          "GA",
          "TN",
          "WA"
        ],
        "licenses": [
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "te"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-11-01",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/deepa-reddy-kukunoor-2526057",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Hindi (lender page, verified 2026-10-09)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 1, 2023 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/deepa-kukunoor-2526057",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/deepa-reddy-kukunoor-2526057"
      }
    },
    {
      "rank": 7,
      "score": 22.3,
      "loan_officer": {
        "nmls_id": 2404721,
        "slug": "savitha-patha-2404721",
        "full_name": "Savitha Patha",
        "canonical_url": "https://lendb.ai/lo/savitha-patha-2404721",
        "json_url": "https://lendb.ai/lo/savitha-patha-2404721.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/iQ4gGF6f8Dyx9YLsVIvoLU33RHCU4zKmwxmiERA7b2epgKee9w2mKmOsvT1AqAne_FROw6vLHQslRlIA13txieaiVEN7o08ZHoYc",
        "licensed_states": [
          "AR",
          "AZ",
          "CA",
          "GA",
          "MD",
          "MO",
          "NC",
          "OR",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "te"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-01-17",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2024,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/savitha-patha-2404721",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Hindi (lender page, verified 2026-10-09)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 17, 2024 (Texas), per state regulator"
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