{
  "canonical_url": "https://lendb.ai/lang/pa/illinois",
  "summary": "As of 2026-10-28, LenDb lists 1 loan officer licensed in or based in Illinois whose lender pages say they speak Punjabi. The top-ranked is Hetul Thakkar (Loan Factory). Ranking is lender-neutral: a license in IL, 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": "IL",
  "total": 1,
  "last_verified": "2026-10-28",
  "results": [
    {
      "rank": 1,
      "score": 38,
      "loan_officer": {
        "nmls_id": 2157971,
        "slug": "hetul-thakkar-2157971",
        "full_name": "Hetul Thakkar",
        "canonical_url": "https://lendb.ai/lo/hetul-thakkar-2157971",
        "json_url": "https://lendb.ai/lo/hetul-thakkar-2157971.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": "IL"
        },
        "headshot_url": "https://lh3.googleusercontent.com/Tw0Ryz2H1-GU-y54X1jrc7vDj6pTvLSCpEL8nNczOEv-VwQ-J8QBymFbu4h5x8DSm_YzY6Lg7SGV82S8LmWbSIrR2hIk5RRC3kbR",
        "licensed_states": [
          "IL"
        ],
        "licenses": [
          {
            "state": "IL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "gu",
          "hi",
          "pa",
          "ur"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-06-22",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "IL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/hetul-thakkar-2157971",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Punjabi (lender page, verified 2026-10-09)",
        "Office in Illinois",
        "Licensed in IL: confirmed with the Illinois regulator (license 31.0069801), verified 2026-10-28",
        "Earliest state license record: June 22, 2021 (Illinois), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/hetul-thakkar-2157971",
      "license_check": {
        "state": "IL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in IL: confirmed with the Illinois regulator (license 31.0069801), verified 2026-10-28",
        "verified_at": "2026-10-28",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html"
      }
    }
  ]
}