{
  "canonical_url": "https://lendb.ai/lang/pa/kansas",
  "summary": "As of 2026-10-09, LenDb lists 1 loan officer licensed in or based in Kansas whose lender pages say they speak Punjabi. The top-ranked is Ujwol Shrestha (Loan Factory). Ranking is lender-neutral: a license in KS, 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": "KS",
  "total": 1,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 22.3,
      "loan_officer": {
        "nmls_id": 2557261,
        "slug": "ujwol-shrestha-2557261",
        "full_name": "Ujwol Shrestha",
        "canonical_url": "https://lendb.ai/lo/ujwol-shrestha-2557261",
        "json_url": "https://lendb.ai/lo/ujwol-shrestha-2557261.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": null,
        "licensed_states": [
          "CA",
          "KS",
          "TX"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "ne",
          "pa",
          "ur"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-01-25",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2024,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/ujwol-shrestha-2557261",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Punjabi (lender page, verified 2026-10-09)",
        "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 25, 2024 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/ujwol-shrestha-2557261",
      "license_check": {
        "state": "KS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KS 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/ujwol-shrestha-2557261"
      }
    }
  ]
}