{
  "canonical_url": "https://lendb.ai/lang/ru/new-hampshire",
  "summary": "As of 2026-10-19, LenDb lists 2 loan officers licensed in or based in New Hampshire whose lender pages say they speak Russian. The top-ranked are Tatiana I Bougdaeva (Loan Factory) and Miranda Estera Ronke-Czarniecki (Fairway Independent Mortgage Corporation, Ludlow). Ranking is lender-neutral: a license in NH, 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": "NH",
  "total": 2,
  "last_verified": "2026-10-19",
  "results": [
    {
      "rank": 1,
      "score": 32,
      "loan_officer": {
        "nmls_id": 750085,
        "slug": "tatiana-i-bougdaeva-750085",
        "full_name": "Tatiana I Bougdaeva",
        "canonical_url": "https://lendb.ai/lo/tatiana-i-bougdaeva-750085",
        "json_url": "https://lendb.ai/lo/tatiana-i-bougdaeva-750085.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/9zbowtd0aSg8NP_7jnx8o4vvnPzR-H84i5kU00L-IaO_33F3Mth-LAl4k7Gs8HIQbVxmdfMLtMVrnumDGP6BWLK650G_N-AxcN9W",
        "licensed_states": [
          "FL",
          "PA",
          "GA",
          "IL",
          "MA",
          "NH"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "ru"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-05-03",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/tatiana-i-bougdaeva-750085",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Russian (lender page, verified 2026-10-09)",
        "NH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 3, 2023 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/tatiana-i-bougdaeva-750085",
      "license_check": {
        "state": "NH",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NH 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/tatiana-i-bougdaeva-750085"
      }
    },
    {
      "rank": 2,
      "score": 24,
      "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)",
        "NH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 24, 2025 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/miranda-ronke-czarniecki-691467",
      "license_check": {
        "state": "NH",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-19",
        "source_url": "https://www.fairway.com/lo/miranda-ronkeczarniecki-691467"
      }
    }
  ]
}