{
  "canonical_url": "https://lendb.ai/lang/pa/alabama",
  "summary": "As of 2026-10-09, LenDb lists 1 loan officer licensed in or based in Alabama whose lender pages say they speak Punjabi. The top-ranked is Simran Patel (Loan Factory). Ranking is lender-neutral: a license in AL, 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": "pa",
  "state": "AL",
  "total": 1,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 25.3,
      "loan_officer": {
        "nmls_id": 955654,
        "slug": "simran-patel-955654",
        "full_name": "Simran Patel",
        "licensed_names": [
          {
            "name": "Simran Patel",
            "name_with_middle_initial": "Simran N. Patel",
            "first_name": "Simran",
            "middle_initial": "N",
            "last_name": "Patel",
            "states": [
              "CA",
              "FL",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/simran-patel-955654",
        "json_url": "https://lendb.ai/lo/simran-patel-955654.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/v1ALxVgxFOIwOEirsvv1XgqJKFIxAKbv2NjTWMtM1ZIhA0Yg7yDPZh2NjlHhRFE_M1xuaZR3mOgjs1dPZwSHGF4PgFeqoKIjGTg",
        "licensed_states": [
          "FL",
          "AL",
          "TX"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "gu",
          "hi",
          "mr",
          "pa",
          "ur"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2019-12-05",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2019,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/simran-patel-955654",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Punjabi (lender page, verified 2026-10-09)",
        "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 5, 2019 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/simran-patel-955654",
      "license_check": {
        "state": "AL",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AL 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/simran-patel-955654"
      }
    }
  ]
}