13 month old not talking

My baby girl just turned 13 months. She used to say dada all the time, but now doesn’t as much. She used to say nanana a lot too. She does babble (not all the time) but she’ll mostly do it when she’s eating. Otherwise she’s hit all her milestones. Started walking at 11 months. She loves to clap especially when she’s proud of herself, she’ll point to things and reach for me to pick her up. She loves to cuddle. She definitely understands us, we’ll ask her to bring a toy to us and she knows and will bring it. I’ll ask if she wants a snack and she throws whatever she is holding and sprints to the cupboard to get her snack lol. She knows when we say “no” and will keep doing it for cause and effect thinking it’s funny. So my gut is telling me the switch just hasn’t flipped in her head yet to talk. When did your little one talk? Did it really just happen out of nowhere one day? Thank you :)