{
  "canonical_url": "https://lendb.ai/lang/hr/florida",
  "summary": "As of 2026-10-15, LenDb lists 1 loan officer licensed in or based in Florida whose lender pages say they speak Croatian. The top-ranked is Stefan Nikic (Loan Factory). Ranking is lender-neutral: a license in FL, 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": "hr",
  "state": "FL",
  "total": 1,
  "last_verified": "2026-10-15",
  "results": [
    {
      "rank": 1,
      "score": 35.3,
      "loan_officer": {
        "nmls_id": 2631855,
        "slug": "stefan-nikic-2631855",
        "full_name": "Stefan Nikic",
        "licensed_names": [
          {
            "name": "Stefan Nikic",
            "name_with_middle_initial": "Stefan D. Nikic",
            "first_name": "Stefan",
            "middle_initial": "D",
            "last_name": "Nikic",
            "states": [
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/stefan-nikic-2631855",
        "json_url": "https://lendb.ai/lo/stefan-nikic-2631855.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": "FL"
        },
        "headshot_url": "https://lh3.googleusercontent.com/KfmPWb5Fs0viwoDjM8j5B1eGPLKqfp_-DJvRYSGZog8GNoaM6tuHLRzqwdbp1M-HN_ONJ-PbFcZVxGaB7Pz-zKWEcz_B5meym_jq",
        "licensed_states": [
          "FL"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "bs",
          "en",
          "hr",
          "sr"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-12-04",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/stefan-nikic-2631855",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Croatian (lender page, verified 2026-10-09)",
        "Office in Florida",
        "Licensed in FL: confirmed with the Florida regulator (license LO143233), verified 2026-10-15",
        "Earliest state license record: December 4, 2025 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/stefan-nikic-2631855",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO143233), verified 2026-10-15",
        "verified_at": "2026-10-15",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip"
      }
    }
  ]
}