{
  "canonical_url": "https://lendb.ai/lang/ne/illinois",
  "summary": "As of 2026-10-28, LenDb lists 2 loan officers licensed in or based in Illinois whose lender pages say they speak Nepali. The top-ranked are Shreejung Rai (CrossCountry Mortgage, Chicago) and Kamal Kafle (Loan Factory). 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": "ne",
  "state": "IL",
  "total": 2,
  "last_verified": "2026-10-28",
  "results": [
    {
      "rank": 1,
      "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 Nepali (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": 2,
      "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 Nepali (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"
      }
    }
  ]
}