{
  "canonical_url": "https://lendb.ai/lang/sr/arizona",
  "summary": "As of 2026-10-09, LenDb lists 2 loan officers licensed in or based in Arizona whose lender pages say they speak Serbian. The top-ranked are Julian Georgiev Rizov (Loan Factory) and Daniel Lacic (Loan Factory, Richland). Ranking is lender-neutral: a license in AZ, 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": "sr",
  "state": "AZ",
  "total": 2,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 23.8,
      "loan_officer": {
        "nmls_id": 355833,
        "slug": "julian-rizov-355833",
        "full_name": "Julian Georgiev Rizov",
        "canonical_url": "https://lendb.ai/lo/julian-rizov-355833",
        "json_url": "https://lendb.ai/lo/julian-rizov-355833.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/cgBjSCCiCbyh5vn6Roph40jclQa0ux1Q1221Dub6QbBpbvghb2cqgMNvQl-NrTNLyohpQ0VCylBQFQq6cu-qATSqWs6opAMI9tTM",
        "licensed_states": [
          "FL",
          "AZ",
          "GA",
          "IL",
          "MN",
          "NV",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "sr"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-07-14",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/julian-georgiev-rizov-355833",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Serbian (lender page, verified 2026-10-09)",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 14, 2021 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/julian-rizov-355833",
      "license_check": {
        "state": "AZ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ 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/julian-georgiev-rizov-355833"
      }
    },
    {
      "rank": 2,
      "score": 23.5,
      "loan_officer": {
        "nmls_id": 2102856,
        "slug": "daniel-lacic-2102856",
        "full_name": "Daniel Lacic",
        "canonical_url": "https://lendb.ai/lo/daniel-lacic-2102856",
        "json_url": "https://lendb.ai/lo/daniel-lacic-2102856.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": "Richland",
          "state": "WA"
        },
        "headshot_url": "https://lh3.googleusercontent.com/hzRqNfcwrr6C1Ul0OuLx3wvlSLzDSDy3-bJVmJjm4ai7izdGzogE3DSzetnLO16kRvLraOFA0njRGhnQALCAd9Va5e0d2wtTqR3y",
        "licensed_states": [
          "AZ",
          "TX",
          "WA",
          "OR"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "bs",
          "en",
          "hr",
          "sr"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-03-13",
          "state": "OR"
        },
        "licensed_since": {
          "year": 2023,
          "state": "OR"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/daniel-lacic-2102856",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Serbian (lender page, verified 2026-10-09)",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 13, 2023 (Oregon), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-lacic-2102856",
      "license_check": {
        "state": "AZ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ 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/daniel-lacic-2102856"
      }
    }
  ]
}