{
  "canonical_url": "https://lendb.ai/lang/ne/tennessee",
  "summary": "As of 2026-10-09, LenDb lists 1 loan officer licensed in or based in Tennessee whose lender pages say they speak Nepali. The top-ranked is Lachu Mon Siwakoti (Loan Factory). Ranking is lender-neutral: a license in TN, 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": "TN",
  "total": 1,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 23,
      "loan_officer": {
        "nmls_id": 2077921,
        "slug": "lachu-siwakoti-2077921",
        "full_name": "Lachu Mon Siwakoti",
        "canonical_url": "https://lendb.ai/lo/lachu-siwakoti-2077921",
        "json_url": "https://lendb.ai/lo/lachu-siwakoti-2077921.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/YKrC68x-0st-KqmtMqkoQzh4SjGy01xy0FbaV-pPIGuU4B2RirtXD2Rxs0bLeY4luDRHMt1l6Jgp3tGN095Yza7mxCkQMuekw3NT",
        "licensed_states": [
          "PA",
          "CA",
          "KY",
          "MD",
          "NC",
          "OH",
          "TN",
          "TX"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "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": "2024-04-16",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2024,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/lachu-mon-siwakoti-2077921",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Nepali (lender page, verified 2026-10-09)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 16, 2024 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/lachu-siwakoti-2077921",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/lachu-mon-siwakoti-2077921"
      }
    }
  ]
}