{
  "canonical_url": "https://lendb.ai/lang/pl/massachusetts",
  "summary": "As of 2026-10-26, LenDb lists 2 loan officers licensed in or based in Massachusetts whose lender pages say they speak Polish. The top-ranked are Miranda Estera Ronke-Czarniecki (Fairway Independent Mortgage Corporation, Ludlow) and Michael Fita (Loan Factory). Ranking is lender-neutral: a license in MA, 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": "pl",
  "state": "MA",
  "total": 2,
  "last_verified": "2026-10-26",
  "results": [
    {
      "rank": 1,
      "score": 37,
      "loan_officer": {
        "nmls_id": 691467,
        "slug": "miranda-ronke-czarniecki-691467",
        "full_name": "Miranda Estera Ronke-Czarniecki",
        "canonical_url": "https://lendb.ai/lo/miranda-ronke-czarniecki-691467",
        "json_url": "https://lendb.ai/lo/miranda-ronke-czarniecki-691467.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "slug": "fairway-independent-mortgage-2289",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Ludlow",
          "state": "MA"
        },
        "headshot_url": "https://img.fairway.com/images/head_shot/miranda-ronkeczarniecki-691467.png?fwy_Id=6afa9d37-867a-4167-be43-8c59f2a80ce7",
        "licensed_states": [
          "FL",
          "CT",
          "NH",
          "MA"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "pl",
          "ru",
          "uk"
        ],
        "specialties": [],
        "lender_offers": [
          "renovation"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-03-24",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/miranda-ronkeczarniecki-691467",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Polish (lender page, verified 2026-10-19)",
        "Office in Ludlow, MA",
        "Licensed in MA: confirmed with the Massachusetts regulator (license MLO691467), verified 2026-10-26",
        "Earliest state license record: March 24, 2025 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/miranda-ronke-czarniecki-691467",
      "license_check": {
        "state": "MA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MA: confirmed with the Massachusetts regulator (license MLO691467), verified 2026-10-26",
        "verified_at": "2026-10-26",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees"
      }
    },
    {
      "rank": 2,
      "score": 23,
      "loan_officer": {
        "nmls_id": 728808,
        "slug": "michael-fita-728808",
        "full_name": "Michael Fita",
        "canonical_url": "https://lendb.ai/lo/michael-fita-728808",
        "json_url": "https://lendb.ai/lo/michael-fita-728808.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/aSRNImEVTk9DuvrM-VEQ9SahTjnFVaPTjFepMx0Q6_Oryjmt5DOymvN-sZB-Uq9w3mV1pAuDEQAlts7jvhTMfJvJN0kXhhtgnn6u",
        "licensed_states": [
          "MA",
          "ME",
          "NH"
        ],
        "licenses": [
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "pl"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-04-12",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2024,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/michael-fita-728808",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Polish (lender page, verified 2026-10-09)",
        "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 12, 2024 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-fita-728808",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA 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/michael-fita-728808"
      }
    }
  ]
}