{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=es&state=UT",
  "filters": {
    "state": "UT",
    "lang": "es",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 43.5,
      "loan_officer": {
        "nmls_id": 316192,
        "slug": "hugo-ruiz-316192",
        "full_name": "Hugo Ruiz",
        "licensed_names": [
          {
            "name": "Hugo Ruiz",
            "name_with_middle_initial": "Hugo F. Ruiz",
            "first_name": "Hugo",
            "middle_initial": "F",
            "last_name": "Ruiz",
            "states": [
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-12"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/hugo-ruiz-316192",
        "json_url": "https://lendb.ai/lo/hugo-ruiz-316192.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "slug": "intercap-lending-190465",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Pleasant Grove",
          "state": "UT"
        },
        "headshot_url": "https://www.intercaplending.com/wp-content/uploads/2023/02/Hugo-Ruiz-600x900-1-300x450.png",
        "licensed_states": [
          "TX",
          "UT"
        ],
        "licenses": [
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "construction",
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "new-construction",
          "physician",
          "renovation",
          "reverse",
          "self-employed",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-11-01",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2024,
          "state": "TX"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/hugo-ruiz/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "Office in Pleasant Grove, UT",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 1, 2024 (Texas), per state regulator",
        "States 20 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/hugo-ruiz-316192",
      "license_check": {
        "state": "UT",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://www.intercaplending.com/loan-officer/hugo-ruiz/"
      }
    },
    {
      "rank": 2,
      "score": 43.3,
      "loan_officer": {
        "nmls_id": 310820,
        "slug": "john-harrison-310820",
        "full_name": "John Harrison",
        "licensed_names": [
          {
            "name": "John Harrison",
            "name_with_middle_initial": "John A. Harrison",
            "first_name": "John",
            "middle_initial": "A",
            "last_name": "Harrison",
            "states": [
              "FL",
              "MD"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/john-harrison-310820",
        "json_url": "https://lendb.ai/lo/john-harrison-310820.json",
        "lender": {
          "nmls_id": 1598647,
          "name": "Guaranteed Rate Affinity, LLC",
          "slug": "guaranteed-rate-affinity-llc-1598647",
          "canonical_url": "https://lendb.ai/lender/guaranteed-rate-affinity-llc-1598647",
          "type": "imb"
        },
        "branch": {
          "city": "Murray",
          "state": "UT"
        },
        "headshot_url": "https://a.mktgcdn.com/p/wVyuj6ORkIh64514jj-2iiuDlcYYK4kQQMwNvWELuOw/191x275.jpg",
        "licensed_states": [
          "FL",
          "AK",
          "ID",
          "MD",
          "NC",
          "TN",
          "UT",
          "VA"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2026-06-03",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": 29,
        "lender_profile_url": "https://www.grarate.com/loan-officers/john-harrison-310820",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "Office in Murray, UT",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 3, 2026 (Florida), per state regulator",
        "States 29 years of experience (lender page, 2026-10-15)"
      ],
      "canonical_url": "https://lendb.ai/lo/john-harrison-310820",
      "license_check": {
        "state": "UT",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://www.grarate.com/loan-officers/john-harrison-310820"
      }
    },
    {
      "rank": 3,
      "score": 42.3,
      "loan_officer": {
        "nmls_id": 248503,
        "slug": "lhersy-fleming-248503",
        "full_name": "Lhersy Fleming",
        "canonical_url": "https://lendb.ai/lo/lhersy-fleming-248503",
        "json_url": "https://lendb.ai/lo/lhersy-fleming-248503.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "slug": "intercap-lending-190465",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Cottonwood Heights",
          "state": "UT"
        },
        "headshot_url": "https://www.intercaplending.com/wp-content/uploads/2019/05/Lhersy-Fleming-600x900-2026-3-300x450.png",
        "licensed_states": [
          "UT"
        ],
        "licenses": [
          {
            "state": "UT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "construction",
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "new-construction",
          "physician",
          "renovation",
          "reverse",
          "self-employed",
          "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": 19,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/lhersy-fleming/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "Office in Cottonwood Heights, UT",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 19 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/lhersy-fleming-248503",
      "license_check": {
        "state": "UT",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://www.intercaplending.com/loan-officer/lhersy-fleming/"
      }
    },
    {
      "rank": 4,
      "score": 41.5,
      "loan_officer": {
        "nmls_id": 238911,
        "slug": "kathy-gray-238911",
        "full_name": "Kathy Gray",
        "canonical_url": "https://lendb.ai/lo/kathy-gray-238911",
        "json_url": "https://lendb.ai/lo/kathy-gray-238911.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "slug": "guild-mortgage-3274",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "St. George",
          "state": "UT"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/vekg-kathy-gray.jpg",
        "licensed_states": [
          "CA",
          "UT"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "itin",
          "jumbo",
          "low-credit",
          "manufactured",
          "new-construction",
          "physician",
          "renovation",
          "usda",
          "va",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2010-06-16",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2010,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ut/stgeorge/kathy-gray-521-vekg.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "Office in St. George, UT",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 16, 2010 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/kathy-gray-238911",
      "license_check": {
        "state": "UT",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://branches.guildmortgage.com/ut/stgeorge/kathy-gray-521-vekg.html"
      }
    },
    {
      "rank": 5,
      "score": 40.5,
      "loan_officer": {
        "nmls_id": 1205157,
        "slug": "berenice-diaz-de-leon-1205157",
        "full_name": "Berenice Diaz de Leon",
        "canonical_url": "https://lendb.ai/lo/berenice-diaz-de-leon-1205157",
        "json_url": "https://lendb.ai/lo/berenice-diaz-de-leon-1205157.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "slug": "intercap-lending-190465",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Cottonwood Heights",
          "state": "UT"
        },
        "headshot_url": "https://www.intercaplending.com/wp-content/uploads/2023/11/Berenice-Diaz-de-Leon-600x900-1-300x450.png",
        "licensed_states": [
          "UT"
        ],
        "licenses": [
          {
            "state": "UT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "construction",
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "new-construction",
          "physician",
          "renovation",
          "reverse",
          "self-employed",
          "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": 14,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/berenice-diaz/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "Office in Cottonwood Heights, UT",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 14 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/berenice-diaz-de-leon-1205157",
      "license_check": {
        "state": "UT",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://www.intercaplending.com/loan-officer/berenice-diaz/"
      }
    },
    {
      "rank": 6,
      "score": 34,
      "loan_officer": {
        "nmls_id": 313494,
        "slug": "travis-hughes-313494",
        "full_name": "Travis Hughes",
        "licensed_names": [
          {
            "name": "Richard Hughes",
            "name_with_middle_initial": "Richard T. Hughes",
            "first_name": "Richard",
            "middle_initial": "T",
            "last_name": "Hughes",
            "states": [
              "CA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/travis-hughes-313494",
        "json_url": "https://lendb.ai/lo/travis-hughes-313494.json",
        "lender": {
          "nmls_id": 1006977,
          "name": "Integrity First Lending LLC",
          "slug": "integrity-first-lending-llc-1006977",
          "canonical_url": "https://lendb.ai/lender/integrity-first-lending-llc-1006977",
          "type": "imb"
        },
        "branch": {
          "city": "South Jordan",
          "state": "UT"
        },
        "headshot_url": "https://www.integritylending.com/wp-content/uploads/2021/12/Travis-Hughes-copy.jpg",
        "licensed_states": [
          "CA",
          "AZ",
          "ID",
          "UT"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-07-17",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2025,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.integritylending.com/travis-hughes/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-26)",
        "Office in South Jordan, UT",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 17, 2025 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/travis-hughes-313494",
      "license_check": {
        "state": "UT",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-26",
        "source_url": "https://www.integritylending.com/travis-hughes/"
      }
    },
    {
      "rank": 7,
      "score": 33.8,
      "loan_officer": {
        "nmls_id": 1495268,
        "slug": "jose-estrada-1495268",
        "full_name": "Jose Estrada",
        "canonical_url": "https://lendb.ai/lo/jose-estrada-1495268",
        "json_url": "https://lendb.ai/lo/jose-estrada-1495268.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "slug": "chase-399798",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Holladay",
          "state": "UT"
        },
        "headshot_url": "http://a.mktgcdn.com/p/qnbgiqErV-8MJJVMtAxqmk0jNA4lTOnSiDe9KH4793M/712x1067.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 7,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ut/holladay/4837-s-highland-dr-hla-1495268",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-26)",
        "Office in Holladay, UT",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 7 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jose-estrada-1495268",
      "license_check": {
        "state": "UT",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-26",
        "source_url": null
      }
    },
    {
      "rank": 8,
      "score": 33.5,
      "loan_officer": {
        "nmls_id": 2550604,
        "slug": "sebastian-duarte-2550604",
        "full_name": "Sebastian Duarte",
        "canonical_url": "https://lendb.ai/lo/sebastian-duarte-2550604",
        "json_url": "https://lendb.ai/lo/sebastian-duarte-2550604.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "slug": "intercap-lending-190465",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Pleasant Grove",
          "state": "UT"
        },
        "headshot_url": "https://www.intercaplending.com/wp-content/uploads/2025/03/Sebastian-Duarte-600x900-1-300x450.png",
        "licensed_states": [
          "UT"
        ],
        "licenses": [
          {
            "state": "UT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "construction",
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "new-construction",
          "physician",
          "renovation",
          "reverse",
          "self-employed",
          "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": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/sebastian-duarte/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "Office in Pleasant Grove, UT",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/sebastian-duarte-2550604",
      "license_check": {
        "state": "UT",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://www.intercaplending.com/loan-officer/sebastian-duarte/"
      }
    },
    {
      "rank": 9,
      "score": 33.3,
      "loan_officer": {
        "nmls_id": 226351,
        "slug": "tony-farias-226351",
        "full_name": "Tony Farias",
        "canonical_url": "https://lendb.ai/lo/tony-farias-226351",
        "json_url": "https://lendb.ai/lo/tony-farias-226351.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "slug": "crosscountry-mortgage-3029",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "South Jordan",
          "state": "UT"
        },
        "headshot_url": "https://thevault.ccm.com/asset/67dca3fd-c787-46a5-8bdc-12944a313c7b/Website/3604_Farias_226351.jpg",
        "licensed_states": [
          "UT"
        ],
        "licenses": [
          {
            "state": "UT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "refinance",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "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": null,
        "lender_profile_url": "https://crosscountrymortgage.com/south-jordan-ut-3604/anthony-farias/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-21)",
        "Office in South Jordan, UT",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/tony-farias-226351",
      "license_check": {
        "state": "UT",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-21",
        "source_url": "https://crosscountrymortgage.com/south-jordan-ut-3604/anthony-farias/"
      }
    },
    {
      "rank": 10,
      "score": 33.3,
      "loan_officer": {
        "nmls_id": 1596515,
        "slug": "carlos-diaz-1596515",
        "full_name": "Carlos Diaz",
        "licensed_names": [
          {
            "name": "Carlos Diaz",
            "name_with_middle_initial": "Carlos F. Diaz",
            "first_name": "Carlos",
            "middle_initial": "F",
            "last_name": "Diaz",
            "states": [
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-27"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/carlos-diaz-1596515",
        "json_url": "https://lendb.ai/lo/carlos-diaz-1596515.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "slug": "intercap-lending-190465",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Pleasant Grove",
          "state": "UT"
        },
        "headshot_url": "https://www.intercaplending.com/wp-content/uploads/2020/11/Carlos-Diaz-600x900-1-300x450.png",
        "licensed_states": [
          "UT",
          "WY"
        ],
        "licenses": [
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "construction",
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "new-construction",
          "physician",
          "renovation",
          "reverse",
          "self-employed",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-07-16",
          "state": "WY"
        },
        "licensed_since": {
          "year": 2025,
          "state": "WY"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/carlos-diaz/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "Office in Pleasant Grove, UT",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 16, 2025 (Wyoming), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/carlos-diaz-1596515",
      "license_check": {
        "state": "UT",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://www.intercaplending.com/loan-officer/carlos-diaz/"
      }
    }
  ]
}