{
  "canonical_url": "https://lendb.ai/lang/ne/texas",
  "summary": "As of 2026-10-13, LenDb lists 2 loan officers licensed in or based in Texas whose lender pages say they speak Nepali. The top-ranked are Gopal Gartaula (Loan Factory) and Pawan Paudel Upadhaya (Loan Factory). Ranking is lender-neutral: a license in TX, 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": "TX",
  "total": 2,
  "last_verified": "2026-10-13",
  "results": [
    {
      "rank": 1,
      "score": 38.3,
      "loan_officer": {
        "nmls_id": 1767130,
        "slug": "gopal-gartaula-1767130",
        "full_name": "Gopal Gartaula",
        "licensed_names": [
          {
            "name": "Gopal Gartaula",
            "name_with_middle_initial": "Gopal K. Gartaula",
            "first_name": "Gopal",
            "middle_initial": "K",
            "last_name": "Gartaula",
            "states": [
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-12"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/gopal-gartaula-1767130",
        "json_url": "https://lendb.ai/lo/gopal-gartaula-1767130.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": "TX"
        },
        "headshot_url": "https://lh3.googleusercontent.com/EW1aHfb-NfARGXHdcMW3k_rCxwG5RMxxWVLPuutAfq9SjG_cFzLt0SA-PlKV1YxfsbYhu-os3_wDfMepeEFfBpLpUcEPTJofpYGS",
        "licensed_states": [
          "TX"
        ],
        "licenses": [
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "ne"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2019-06-13",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2019,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/gopal-gartaula-1767130",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Nepali (lender page, verified 2026-10-09)",
        "Office in Texas",
        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "Earliest state license record: June 13, 2019 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/gopal-gartaula-1767130",
      "license_check": {
        "state": "TX",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
      }
    },
    {
      "rank": 2,
      "score": 34.8,
      "loan_officer": {
        "nmls_id": 2711090,
        "slug": "pawan-paudel-upadhaya-2711090",
        "full_name": "Pawan Paudel Upadhaya",
        "canonical_url": "https://lendb.ai/lo/pawan-paudel-upadhaya-2711090",
        "json_url": "https://lendb.ai/lo/pawan-paudel-upadhaya-2711090.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": "TX"
        },
        "headshot_url": "https://lh3.googleusercontent.com/IETE6wTsbN7imvozz666ht1udnDLdF_m4CXY_-TZtW9UsH8aE3glE9Ao6ymbv02ADYCXb_K7FmZIylf_oib-UjsmskUi7op4ieI",
        "licensed_states": [
          "TX"
        ],
        "licenses": [
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "ne"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2026-03-18",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2026,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/pawan-paudel-upadhaya-2711090",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Nepali (lender page, verified 2026-10-09)",
        "Office in Texas",
        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "Earliest state license record: March 18, 2026 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/pawan-paudel-upadhaya-2711090",
      "license_check": {
        "state": "TX",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
      }
    }
  ]
}