{
  "canonical_url": "https://lendb.ai/lang/tr/virginia",
  "summary": "As of 2026-10-15, LenDb lists 2 loan officers licensed in or based in Virginia whose lender pages say they speak Turkish. The top-ranked are Elturk Qaradagli (Buckingham Mortgage LLC) and Ali Ozel (Loan Factory). Ranking is lender-neutral: a license in VA, 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": "tr",
  "state": "VA",
  "total": 2,
  "last_verified": "2026-10-15",
  "results": [
    {
      "rank": 1,
      "score": 31.5,
      "loan_officer": {
        "nmls_id": 2005220,
        "slug": "elturk-qaradagli-2005220",
        "full_name": "Elturk Qaradagli",
        "canonical_url": "https://lendb.ai/lo/elturk-qaradagli-2005220",
        "json_url": "https://lendb.ai/lo/elturk-qaradagli-2005220.json",
        "lender": {
          "nmls_id": 1124970,
          "name": "Buckingham Mortgage LLC",
          "slug": "buckingham-mortgage-llc-1124970",
          "canonical_url": "https://lendb.ai/lender/buckingham-mortgage-llc-1124970",
          "type": "other"
        },
        "branch": {
          "city": null,
          "state": "VA"
        },
        "headshot_url": null,
        "licensed_states": [
          "VA"
        ],
        "licenses": [
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "tr"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.bfgusa.com/team-member/elturk-qaradagli/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Turkish (lender page, verified 2026-10-15)",
        "Office in Virginia",
        "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/elturk-qaradagli-2005220",
      "license_check": {
        "state": "VA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://www.bfgusa.com/team-member/elturk-qaradagli/"
      }
    },
    {
      "rank": 2,
      "score": 24,
      "loan_officer": {
        "nmls_id": 2509142,
        "slug": "ali-ozel-2509142",
        "full_name": "Ali Ozel",
        "canonical_url": "https://lendb.ai/lo/ali-ozel-2509142",
        "json_url": "https://lendb.ai/lo/ali-ozel-2509142.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/bZcnT5CnML1rJcEvUbXRWfpt-db7wEpgFV1jde0rfpkyfHxvG6V5Firf0_mmcaQ2fGmdkol6LxW2NEVoNA0HULNzuGxR7V1F86nj",
        "licensed_states": [
          "FL",
          "GA",
          "IL",
          "OH",
          "TN",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "tr"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-05-29",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2024,
          "state": "IL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/ali-ozel-2509142",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Turkish (lender page, verified 2026-10-09)",
        "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 29, 2024 (Illinois), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/ali-ozel-2509142",
      "license_check": {
        "state": "VA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VA 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/ali-ozel-2509142"
      }
    }
  ]
}