{
  "canonical_url": "https://lendb.ai/lang/ne/pennsylvania",
  "summary": "As of 2026-10-16, LenDb lists 3 loan officers licensed in or based in Pennsylvania whose lender pages say they speak Nepali. The top-ranked are Shiva Lal Dahal (Loan Factory), Sobe Dhital (Loan Factory) and Devi Maya Pokhrel (Loan Factory). Ranking is lender-neutral: a license in PA, 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": "PA",
  "total": 3,
  "last_verified": "2026-10-16",
  "results": [
    {
      "rank": 1,
      "score": 35.5,
      "loan_officer": {
        "nmls_id": 2065403,
        "slug": "shiva-lal-dahal-2065403",
        "full_name": "Shiva Lal Dahal",
        "canonical_url": "https://lendb.ai/lo/shiva-lal-dahal-2065403",
        "json_url": "https://lendb.ai/lo/shiva-lal-dahal-2065403.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": "PA"
        },
        "headshot_url": "https://lh3.googleusercontent.com/-oMBgvR-Z2CimBChg4I6XCUTa03VVXfZ0mSXXAh6p0VV2M8ma4FONw8D4h32jsBUPBQIGuVrGPR0cjvk72nvuYdTCweY2-rJ7SBfBg",
        "licensed_states": [
          "PA"
        ],
        "licenses": [
          {
            "state": "PA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "ne"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/shiva-lal-dahal-2065403",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Nepali (lender page, verified 2026-10-09)",
        "Office in Pennsylvania",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 107863), verified 2026-10-16"
      ],
      "canonical_url": "https://lendb.ai/lo/shiva-lal-dahal-2065403",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 107863), verified 2026-10-16",
        "verified_at": "2026-10-16",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      }
    },
    {
      "rank": 2,
      "score": 23.5,
      "loan_officer": {
        "nmls_id": 2389496,
        "slug": "sobe-dhital-2389496",
        "full_name": "Sobe Dhital",
        "canonical_url": "https://lendb.ai/lo/sobe-dhital-2389496",
        "json_url": "https://lendb.ai/lo/sobe-dhital-2389496.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/TFzYDIxbJ3fOCDgNhW42GvdfP1PYq1ru2tLXuQUKwJTU6nKNtRfa3Kv5MQQkfdcXIIXdvsopWAnHW7jSYHpnDvoCtahfWeBqKLY",
        "licensed_states": [
          "CA",
          "MD",
          "PA",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "ne",
          "pa"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-03-07",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2023,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/sobe-dhital-2389496",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Nepali (lender page, verified 2026-10-09)",
        "PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 7, 2023 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/sobe-dhital-2389496",
      "license_check": {
        "state": "PA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "PA 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/sobe-dhital-2389496"
      }
    },
    {
      "rank": 3,
      "score": 22.3,
      "loan_officer": {
        "nmls_id": 2074040,
        "slug": "devi-maya-pokhrel-2074040",
        "full_name": "Devi Maya Pokhrel",
        "canonical_url": "https://lendb.ai/lo/devi-maya-pokhrel-2074040",
        "json_url": "https://lendb.ai/lo/devi-maya-pokhrel-2074040.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/7F1AEE35R7-sYYG-guj5TDGVwuMBvkAtUDdYFXwRpUbl52oWC6DWMmfYWiFpSeMZQ4vDmxR8gG5R5iP4jU_O8DkcrJWSERn92r1d",
        "licensed_states": [
          "CO",
          "IN",
          "MI",
          "OH",
          "PA"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "ne"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-08-08",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2024,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/devi-maya-pokhrel-2074040",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Nepali (lender page, verified 2026-10-09)",
        "PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 8, 2024 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/devi-maya-pokhrel-2074040",
      "license_check": {
        "state": "PA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "PA 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/devi-maya-pokhrel-2074040"
      }
    }
  ]
}