{
  "canonical_url": "https://lendb.ai/lang/pt/maryland",
  "summary": "As of 2026-10-26, LenDb lists 2 loan officers licensed in or based in Maryland whose lender pages say they speak Portuguese. The top-ranked are Alex Waters (First Home Mortgage, Baltimore) and Dan Porto (JPMorgan Chase Bank (Chase Home Lending), Potomac). Ranking is lender-neutral: a license in MD, 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": "pt",
  "state": "MD",
  "total": 2,
  "last_verified": "2026-10-26",
  "results": [
    {
      "rank": 1,
      "score": 37.8,
      "loan_officer": {
        "nmls_id": 1153538,
        "slug": "ryan-waters-1153538",
        "full_name": "Alex Waters",
        "canonical_url": "https://lendb.ai/lo/ryan-waters-1153538",
        "json_url": "https://lendb.ai/lo/ryan-waters-1153538.json",
        "lender": {
          "nmls_id": 71603,
          "name": "First Home Mortgage",
          "slug": "first-home-mortgage-71603",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
          "type": "imb"
        },
        "branch": {
          "city": "Baltimore",
          "state": "MD"
        },
        "headshot_url": "https://firsthome.com/wp-content/uploads/2026/03/Waters-Alex.jpg",
        "licensed_states": [
          "DC",
          "MD",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es",
          "pt"
        ],
        "specialties": [],
        "lender_offers": [
          "construction",
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "jumbo",
          "renovation",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-02-08",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://firsthome.com/loan-officers/alex-waters/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Portuguese (lender page, verified 2026-10-20)",
        "Office in Baltimore, MD",
        "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26",
        "Earliest state license record: February 8, 2022 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/ryan-waters-1153538",
      "license_check": {
        "state": "MD",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26",
        "verified_at": "2026-10-26",
        "source_url": "https://www.labor.maryland.gov/finance/"
      }
    },
    {
      "rank": 2,
      "score": 37.5,
      "loan_officer": {
        "nmls_id": 1491814,
        "slug": "daniel-porto-1491814",
        "full_name": "Dan Porto",
        "licensed_names": [
          {
            "name": "Daniel Porto",
            "name_with_middle_initial": "Daniel D. Porto",
            "first_name": "Daniel",
            "middle_initial": "D",
            "last_name": "Porto",
            "states": [
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/daniel-porto-1491814",
        "json_url": "https://lendb.ai/lo/daniel-porto-1491814.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "slug": "chase-399798",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Potomac",
          "state": "MD"
        },
        "headshot_url": "http://a.mktgcdn.com/p/4nylrijmViE4_dZOX0s1WMi7EoffqS0FMdgnJZuDOOg/800x1200.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es",
          "pt"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-02-23",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": 13,
        "lender_profile_url": "https://homelendingadvisor.chase.com/md/potomac/10200-river-rd-hla-1491814",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Portuguese (lender page, verified 2026-10-19)",
        "Office in Potomac, MD",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: February 23, 2017 (Florida), per state regulator",
        "States 13 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-porto-1491814",
      "license_check": {
        "state": "MD",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-19",
        "source_url": null
      }
    }
  ]
}