{
  "canonical_url": "https://lendb.ai/lang/ru/massachusetts",
  "summary": "As of 2026-10-26, LenDb lists 3 loan officers licensed in or based in Massachusetts whose lender pages say they speak Russian. The top-ranked are Katya Marini (Homestead Funding, West Springfield), Kateryna Kostyukova (Loan Factory) and Miranda Estera Ronke-Czarniecki (Fairway Independent Mortgage Corporation, Ludlow). 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": "ru",
  "state": "MA",
  "total": 3,
  "last_verified": "2026-10-26",
  "results": [
    {
      "rank": 1,
      "score": 45.8,
      "loan_officer": {
        "nmls_id": 493847,
        "slug": "katya-marini-493847",
        "full_name": "Katya Marini",
        "canonical_url": "https://lendb.ai/lo/katya-marini-493847",
        "json_url": "https://lendb.ai/lo/katya-marini-493847.json",
        "lender": {
          "nmls_id": 3232,
          "name": "Homestead Funding",
          "slug": "homestead-funding-3232",
          "canonical_url": "https://lendb.ai/lender/homestead-funding-3232",
          "type": "imb"
        },
        "branch": {
          "city": "West Springfield",
          "state": "MA"
        },
        "headshot_url": "https://cdn.prod.website-files.com/63b853e7f69a688bd42a246b/6a022759df31f3c2c3f30843_Katya%20Marini%20Transparent%20Web.png",
        "licensed_states": [
          "CT",
          "MA"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "ru"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "jumbo",
          "physician",
          "renovation",
          "reverse",
          "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": 25,
        "lender_profile_url": "https://www.homesteadfunding.com/loan-originators/katya-marini",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Russian (lender page, verified 2026-10-21)",
        "Office in West Springfield, MA",
        "Licensed in MA: confirmed with the Massachusetts regulator (license MLO493847), verified 2026-10-26",
        "States 25 years of experience (lender page, 2026-10-21)"
      ],
      "canonical_url": "https://lendb.ai/lo/katya-marini-493847",
      "license_check": {
        "state": "MA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MA: confirmed with the Massachusetts regulator (license MLO493847), 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": 38.5,
      "loan_officer": {
        "nmls_id": 2432266,
        "slug": "kateryna-kostyukova-2432266",
        "full_name": "Kateryna Kostyukova",
        "licensed_names": [
          {
            "name": "Kateryna Kostyukova",
            "name_with_middle_initial": "Kateryna A. Kostyukova",
            "first_name": "Kateryna",
            "middle_initial": "A",
            "last_name": "Kostyukova",
            "states": [
              "MA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/kateryna-kostyukova-2432266",
        "json_url": "https://lendb.ai/lo/kateryna-kostyukova-2432266.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": "MA"
        },
        "headshot_url": "https://lh3.googleusercontent.com/m_tu8gM8MRDlrzttgOZ21c7OddW2CdiBGpKfAG0vkVNHBsUM5UieLIHEXFH1KlcNWpyqDcVf-m-t8Go2DAmJG2l-_lJCL_NwBGH11g",
        "licensed_states": [
          "MA"
        ],
        "licenses": [
          {
            "state": "MA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "ru"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 6,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/kateryna-kostyukova-2432266",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Russian (lender page, verified 2026-10-09)",
        "Office in Massachusetts",
        "Licensed in MA: confirmed with the Massachusetts regulator (license MLO2432266), verified 2026-10-26",
        "States 6 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kateryna-kostyukova-2432266",
      "license_check": {
        "state": "MA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MA: confirmed with the Massachusetts regulator (license MLO2432266), verified 2026-10-26",
        "verified_at": "2026-10-26",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees"
      }
    },
    {
      "rank": 3,
      "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 Russian (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"
      }
    }
  ]
}