{
  "canonical_url": "https://lendb.ai/lang/it/florida",
  "summary": "As of 2026-10-19, LenDb lists 4 loan officers licensed in or based in Florida whose lender pages say they speak Italian. The top-ranked are Paolo Lusardi (Loan Factory), Marianna Gabriel (JPMorgan Chase Bank (Chase Home Lending), Boca Raton) and Ricardo Alarcon (CrossCountry Mortgage, Fort Myers). 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": "it",
  "state": "FL",
  "total": 4,
  "last_verified": "2026-10-19",
  "results": [
    {
      "rank": 1,
      "score": 40,
      "loan_officer": {
        "nmls_id": 1391934,
        "slug": "paolo-lusardi-1391934",
        "full_name": "Paolo Lusardi",
        "canonical_url": "https://lendb.ai/lo/paolo-lusardi-1391934",
        "json_url": "https://lendb.ai/lo/paolo-lusardi-1391934.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/1WD_WyPxy1LvQudBXNaiYAruttwMHHSyopG9AJfKWh8mr2wnZ8tNEqLlFPPHCwGkW-G_lZvjGmbMXBXJT1FVioFzLoPl0hbLriB7",
        "licensed_states": [
          "FL"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es",
          "it"
        ],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2018-12-05",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2018,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/paolo-lusardi-1391934",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Italian (lender page, verified 2026-10-09)",
        "Office in Florida",
        "Licensed in FL: confirmed with the Florida regulator (license LO57918), verified 2026-10-15",
        "Earliest state license record: December 5, 2018 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/paolo-lusardi-1391934",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO57918), verified 2026-10-15",
        "verified_at": "2026-10-15",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip"
      }
    },
    {
      "rank": 2,
      "score": 39.5,
      "loan_officer": {
        "nmls_id": 2315456,
        "slug": "marianna-gabriel-2315456",
        "full_name": "Marianna Gabriel",
        "canonical_url": "https://lendb.ai/lo/marianna-gabriel-2315456",
        "json_url": "https://lendb.ai/lo/marianna-gabriel-2315456.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": "Boca Raton",
          "state": "FL"
        },
        "headshot_url": "http://a.mktgcdn.com/p/fRQAQEwOgAyLHjdp3dG7aOqKrFk51j7bPWU3zP1OuEE/352x527.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "ar",
          "fr",
          "it"
        ],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "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": 17,
        "lender_profile_url": "https://homelendingadvisor.chase.com/fl/boca-raton/5950-glades-road-hla-2315456",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Italian (lender page, verified 2026-10-19)",
        "Office in Boca Raton, FL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 17 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/marianna-gabriel-2315456",
      "license_check": {
        "state": "FL",
        "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": 38.3,
      "loan_officer": {
        "nmls_id": 1914927,
        "slug": "ricardo-alarcon-moreno-1914927",
        "full_name": "Ricardo Alarcon",
        "licensed_names": [
          {
            "name": "Ricardo Alarcon Moreno",
            "name_with_middle_initial": "Ricardo D. Alarcon Moreno",
            "first_name": "Ricardo",
            "middle_initial": "D",
            "last_name": "Alarcon Moreno",
            "states": [
              "FL",
              "MA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/ricardo-alarcon-moreno-1914927",
        "json_url": "https://lendb.ai/lo/ricardo-alarcon-moreno-1914927.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": "Fort Myers",
          "state": "FL"
        },
        "headshot_url": "https://thevault.ccm.com/m/c6b48b4b444095e1/Website-3744_Alarcon_1914927.jpg",
        "licensed_states": [
          "FL",
          "MA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es",
          "it"
        ],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "heloc",
          "jumbo",
          "non-qm",
          "physician",
          "refinance",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-07-19",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/fort-myers-fl-8246/ricardo-alarcon-moreno/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Italian (lender page, verified 2026-10-09)",
        "Office in Fort Myers, FL",
        "Licensed in FL: confirmed with the Florida regulator (license LO110880), verified 2026-10-15",
        "Earliest state license record: July 19, 2022 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/ricardo-alarcon-moreno-1914927",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO110880), verified 2026-10-15",
        "verified_at": "2026-10-15",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip"
      }
    },
    {
      "rank": 4,
      "score": 36.3,
      "loan_officer": {
        "nmls_id": 2284312,
        "slug": "giovanni-borsarelli-2284312",
        "full_name": "Giovanni Borsarelli",
        "canonical_url": "https://lendb.ai/lo/giovanni-borsarelli-2284312",
        "json_url": "https://lendb.ai/lo/giovanni-borsarelli-2284312.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/YEiATbB8t_JQy5k35pJ8GZUHKDv8cwNbQlj1WYwOCtOtRtErI2CD-SJPRnf3fMx0Eq5DBHw6T7K2D-qW1SFjAl90tc5Zysolw5jX",
        "licensed_states": [
          "FL"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es",
          "it"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-08-14",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/giovanni-borsarelli-2284312",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Italian (lender page, verified 2026-10-09)",
        "Office in Florida",
        "Licensed in FL: confirmed with the Florida regulator (license LO122302), verified 2026-10-15",
        "Earliest state license record: August 14, 2023 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/giovanni-borsarelli-2284312",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO122302), verified 2026-10-15",
        "verified_at": "2026-10-15",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip"
      }
    }
  ]
}