{
  "canonical_url": "https://lendb.ai/lang/pa/virginia",
  "summary": "As of 2026-10-21, LenDb lists 6 loan officers licensed in or based in Virginia whose lender pages say they speak Punjabi. The top-ranked are Arslan Jamil (ALCOVA Mortgage, Chantilly), Angnita Corryn (Buckingham Mortgage LLC) and Tajinder Raheja (Buckingham Mortgage LLC). Ranking is lender-neutral: a license in VA, 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": "VA",
  "total": 6,
  "last_verified": "2026-10-21",
  "results": [
    {
      "rank": 1,
      "score": 32.8,
      "loan_officer": {
        "nmls_id": 2681786,
        "slug": "arslan-jamil-2681786",
        "full_name": "Arslan Jamil",
        "canonical_url": "https://lendb.ai/lo/arslan-jamil-2681786",
        "json_url": "https://lendb.ai/lo/arslan-jamil-2681786.json",
        "lender": {
          "nmls_id": 40508,
          "name": "ALCOVA Mortgage",
          "slug": "alcova-mortgage-40508",
          "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508",
          "type": "imb"
        },
        "branch": {
          "city": "Chantilly",
          "state": "VA"
        },
        "headshot_url": "https://alcova.com/wp-content/uploads/2025/06/arslan-jamil.png",
        "licensed_states": [
          "VA"
        ],
        "licenses": [
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "pa",
          "ur"
        ],
        "specialties": [],
        "lender_offers": [
          "1099-income",
          "bank-statement",
          "dscr",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "reverse",
          "self-employed",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://alcova.com/loan-officer/ajamil/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Punjabi (lender page, verified 2026-10-21)",
        "Office in Chantilly, VA",
        "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/arslan-jamil-2681786",
      "license_check": {
        "state": "VA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-21",
        "source_url": "https://alcova.com/loan-officer/ajamil/"
      }
    },
    {
      "rank": 2,
      "score": 31.5,
      "loan_officer": {
        "nmls_id": 1867528,
        "slug": "angnita-corryn-1867528",
        "full_name": "Angnita Corryn",
        "canonical_url": "https://lendb.ai/lo/angnita-corryn-1867528",
        "json_url": "https://lendb.ai/lo/angnita-corryn-1867528.json",
        "lender": {
          "nmls_id": 1124970,
          "name": "Buckingham Mortgage LLC",
          "slug": "buckingham-mortgage-llc-1124970",
          "canonical_url": "https://lendb.ai/lender/buckingham-mortgage-llc-1124970",
          "type": "other"
        },
        "branch": {
          "city": null,
          "state": "VA"
        },
        "headshot_url": null,
        "licensed_states": [
          "MD",
          "VA"
        ],
        "licenses": [
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "pa",
          "ur"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.bfgusa.com/team-member/angnita-corryn/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Punjabi (lender page, verified 2026-10-15)",
        "Office in Virginia",
        "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/angnita-corryn-1867528",
      "license_check": {
        "state": "VA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://www.bfgusa.com/team-member/angnita-corryn/"
      }
    },
    {
      "rank": 3,
      "score": 31.5,
      "loan_officer": {
        "nmls_id": 2592024,
        "slug": "tajinder-raheja-2592024",
        "full_name": "Tajinder Raheja",
        "canonical_url": "https://lendb.ai/lo/tajinder-raheja-2592024",
        "json_url": "https://lendb.ai/lo/tajinder-raheja-2592024.json",
        "lender": {
          "nmls_id": 1124970,
          "name": "Buckingham Mortgage LLC",
          "slug": "buckingham-mortgage-llc-1124970",
          "canonical_url": "https://lendb.ai/lender/buckingham-mortgage-llc-1124970",
          "type": "other"
        },
        "branch": {
          "city": null,
          "state": "VA"
        },
        "headshot_url": null,
        "licensed_states": [
          "VA"
        ],
        "licenses": [
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "pa"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.bfgusa.com/team-member/tajinder-raheja/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Punjabi (lender page, verified 2026-10-15)",
        "Office in Virginia",
        "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/tajinder-raheja-2592024",
      "license_check": {
        "state": "VA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://www.bfgusa.com/team-member/tajinder-raheja/"
      }
    },
    {
      "rank": 4,
      "score": 23.5,
      "loan_officer": {
        "nmls_id": 2389496,
        "slug": "sobe-dhital-2389496",
        "full_name": "Sobe Dhital",
        "canonical_url": "https://lendb.ai/lo/sobe-dhital-2389496",
        "json_url": "https://lendb.ai/lo/sobe-dhital-2389496.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/TFzYDIxbJ3fOCDgNhW42GvdfP1PYq1ru2tLXuQUKwJTU6nKNtRfa3Kv5MQQkfdcXIIXdvsopWAnHW7jSYHpnDvoCtahfWeBqKLY",
        "licensed_states": [
          "CA",
          "MD",
          "PA",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "ne",
          "pa"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-03-07",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2023,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/sobe-dhital-2389496",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Punjabi (lender page, verified 2026-10-09)",
        "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 7, 2023 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/sobe-dhital-2389496",
      "license_check": {
        "state": "VA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VA 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/sobe-dhital-2389496"
      }
    },
    {
      "rank": 5,
      "score": 22.5,
      "loan_officer": {
        "nmls_id": 1134740,
        "slug": "harpreet-kaur-1134740",
        "full_name": "Harpreet Kaur",
        "canonical_url": "https://lendb.ai/lo/harpreet-kaur-1134740",
        "json_url": "https://lendb.ai/lo/harpreet-kaur-1134740.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": "CA"
        },
        "headshot_url": "https://lh3.googleusercontent.com/uCavd761DdI63eIfXoYQTV9obIYK_-UF3wJvHn-wUgP4cOVHJsvKlE1IC-R4jiy0cY2v69OgYVB0-ggJuBqr4RiqhfSGiL_f0Es",
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "IN",
          "OR",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "pa"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2026-05-21",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2026,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/harpreet-kaur-1134740",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Punjabi (lender page, verified 2026-10-09)",
        "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 21, 2026 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/harpreet-kaur-1134740",
      "license_check": {
        "state": "VA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VA 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/harpreet-kaur-1134740"
      }
    },
    {
      "rank": 6,
      "score": 22,
      "loan_officer": {
        "nmls_id": 2607572,
        "slug": "shoaib-nawaz-2607572",
        "full_name": "Shoaib Nawaz",
        "licensed_names": [
          {
            "name": "Shoaib Nawaz",
            "name_with_middle_initial": "Shoaib Q. Nawaz",
            "first_name": "Shoaib",
            "middle_initial": "Q",
            "last_name": "Nawaz",
            "states": [
              "MD"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/shoaib-nawaz-2607572",
        "json_url": "https://lendb.ai/lo/shoaib-nawaz-2607572.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/dXWWeQS5bWbfTv1bIeWMuyIegFDPZEbTD9CNPvm3Hsb6ULq6t-8TNEvUUlnOKSPWWHs6PVG-SlIeEyDl-dY1ZRLmhCdZvDt0vUB-",
        "licensed_states": [
          "MD",
          "VA"
        ],
        "licenses": [
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "pa",
          "ur"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/shoaib-nawaz-2607572",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Punjabi (lender page, verified 2026-10-09)",
        "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/shoaib-nawaz-2607572",
      "license_check": {
        "state": "VA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VA 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/shoaib-nawaz-2607572"
      }
    }
  ]
}