{
  "canonical_url": "https://lendb.ai/lang/ne/maryland",
  "summary": "As of 2026-10-09, LenDb lists 1 loan officer licensed in or based in Maryland whose lender pages say they speak Nepali. The top-ranked is Omkar Ghimire (Loan Factory). Ranking is lender-neutral: a license in MD, 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": "MD",
  "total": 1,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 23,
      "loan_officer": {
        "nmls_id": 2563333,
        "slug": "omkar-ghimire-2563333",
        "full_name": "Omkar Ghimire",
        "canonical_url": "https://lendb.ai/lo/omkar-ghimire-2563333",
        "json_url": "https://lendb.ai/lo/omkar-ghimire-2563333.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/LNm52nUILYtmDqNKQb29rbP-g7gNH5DVgJBT4Jv4t4M4GgxUzmTm_QWR2ycikb1ZkR4QfmfPSTiBdc1Aw3SRDOsHqeO_3OU9jpQ",
        "licensed_states": [
          "MD",
          "TX"
        ],
        "licenses": [
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "ne"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-03-01",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2024,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/omkar-ghimire-2563333",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Nepali (lender page, verified 2026-10-09)",
        "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 1, 2024 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/omkar-ghimire-2563333",
      "license_check": {
        "state": "MD",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MD 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/omkar-ghimire-2563333"
      }
    }
  ]
}