{
  "canonical_url": "https://lendb.ai/lang/pa/michigan",
  "summary": "As of 2026-10-09, LenDb lists 3 loan officers licensed in or based in Michigan whose lender pages say they speak Punjabi. The top-ranked are Jasdeep Singh (Loan Factory), Ruqayya Yasin (Loan Factory) and Jay Singh (Loan Factory). Ranking is lender-neutral: a license in MI, 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": "MI",
  "total": 3,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 24.5,
      "loan_officer": {
        "nmls_id": 1900093,
        "slug": "jasdeep-singh-1900093",
        "full_name": "Jasdeep Singh",
        "canonical_url": "https://lendb.ai/lo/jasdeep-singh-1900093",
        "json_url": "https://lendb.ai/lo/jasdeep-singh-1900093.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/5Qb2RyJ7gH8c8RL1N7raxg03Y1Y6Ey7agCPDRmTntLIFdMhzxtSrrPICYucOV_uC9mcUIdbNKL0gf-nkZDBBis3mDVudi7-MNxhwLA",
        "licensed_states": [
          "IN",
          "MI",
          "OR",
          "WA"
        ],
        "licenses": [
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "pa",
          "ur"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-08-03",
          "state": "OR"
        },
        "licensed_since": {
          "year": 2021,
          "state": "OR"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/jasdeep-singh-1900093",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Punjabi (lender page, verified 2026-10-09)",
        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 3, 2021 (Oregon), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/jasdeep-singh-1900093",
      "license_check": {
        "state": "MI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MI 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/jasdeep-singh-1900093"
      }
    },
    {
      "rank": 2,
      "score": 22.3,
      "loan_officer": {
        "nmls_id": 2600891,
        "slug": "ruqayya-yasin-2600891",
        "full_name": "Ruqayya Yasin",
        "canonical_url": "https://lendb.ai/lo/ruqayya-yasin-2600891",
        "json_url": "https://lendb.ai/lo/ruqayya-yasin-2600891.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/BmK6a-PuBfnRN03H58tMTgQUWSjl4yZ01bG64zIDBgnwP5ibiE2OgoaYdpuMSVdzo7xCJufnpMGDg_FkZ7BR4sqhXGzbjY72r9QA",
        "licensed_states": [
          "AZ",
          "MI",
          "OH",
          "TN",
          "TX"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "pa",
          "ur"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-05-08",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2024,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/ruqayya-yasin-2600891",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Punjabi (lender page, verified 2026-10-09)",
        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 8, 2024 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/ruqayya-yasin-2600891",
      "license_check": {
        "state": "MI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MI 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/ruqayya-yasin-2600891"
      }
    },
    {
      "rank": 3,
      "score": 22,
      "loan_officer": {
        "nmls_id": 2381391,
        "slug": "jay-singh-2381391",
        "full_name": "Jay Singh",
        "canonical_url": "https://lendb.ai/lo/jay-singh-2381391",
        "json_url": "https://lendb.ai/lo/jay-singh-2381391.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/ldSCYiwMZQ1hdKBIjY9DF6GVlc9PIZkxtQuIcKJRb3H6d1lMOTCt5H4IyBp3vLeaIMlU9LTYMYfDw6silsmOLclcQP1MLHVtr5OO",
        "licensed_states": [
          "IL",
          "MI",
          "TX"
        ],
        "licenses": [
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "pa",
          "ur"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2026-06-03",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2026,
          "state": "IL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/jay-singh-2381391",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Punjabi (lender page, verified 2026-10-09)",
        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 3, 2026 (Illinois), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/jay-singh-2381391",
      "license_check": {
        "state": "MI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MI 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/jay-singh-2381391"
      }
    }
  ]
}