{
  "canonical_url": "https://lendb.ai/lang/ml/new-jersey",
  "summary": "As of 2026-10-15, LenDb lists 1 loan officer licensed in or based in New Jersey whose lender pages say they speak Malayalam. The top-ranked is Krishna Perinkolam (ENSURE HOME LOANS LLC). Ranking is lender-neutral: a license in NJ, 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": "ml",
  "state": "NJ",
  "total": 1,
  "last_verified": "2026-10-15",
  "results": [
    {
      "rank": 1,
      "score": 22.8,
      "loan_officer": {
        "nmls_id": 2575853,
        "slug": "krishna-perinkolam-2575853",
        "full_name": "Krishna Perinkolam",
        "licensed_names": [
          {
            "name": "Krishna Perinkolam",
            "name_with_middle_initial": "Krishna V. Perinkolam",
            "first_name": "Krishna",
            "middle_initial": "V",
            "last_name": "Perinkolam",
            "states": [
              "IA",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-19"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/krishna-perinkolam-2575853",
        "json_url": "https://lendb.ai/lo/krishna-perinkolam-2575853.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/1781305970313-oro55h9c5p.jpg",
        "licensed_states": [
          "TX",
          "IA",
          "NJ"
        ],
        "licenses": [
          {
            "state": "IA",
            "confidence": "confirmed"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "ml",
          "te"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-06-02",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2025,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://ensurehomeloans.com/loan-officers/krishna-perinkolam",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Malayalam (lender page, verified 2026-10-15)",
        "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 2, 2025 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/krishna-perinkolam-2575853",
      "license_check": {
        "state": "NJ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NJ 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/krishna-perinkolam"
      }
    }
  ]
}