{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=down-payment-assistance&state=UT",
  "filters": {
    "specialty": [
      "down-payment-assistance"
    ],
    "state": "UT",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 56,
      "loan_officer": {
        "nmls_id": 900967,
        "slug": "kris-james-900967",
        "full_name": "Kris James",
        "canonical_url": "https://lendb.ai/lo/kris-james-900967",
        "json_url": "https://lendb.ai/lo/kris-james-900967.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465"
        },
        "branch": {
          "city": "Cottonwood Heights",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 13,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/kris-james/"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "13 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kris-james-900967"
    },
    {
      "rank": 2,
      "score": 53.8,
      "loan_officer": {
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        "slug": "rachelle-coffey-203664",
        "full_name": "Rachelle Coffey",
        "canonical_url": "https://lendb.ai/lo/rachelle-coffey-203664",
        "json_url": "https://lendb.ai/lo/rachelle-coffey-203664.json",
        "lender": {
          "nmls_id": 93718,
          "name": "Homeowners Financial Group",
          "canonical_url": "https://lendb.ai/lender/homeowners-financial-group-93718"
        },
        "branch": {
          "city": "Scottsdale",
          "state": "AZ"
        },
        "licensed_states": [
          "AZ",
          "CA",
          "CO",
          "GA",
          "NM",
          "OR",
          "SC",
          "TX",
          "UT",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 27,
        "lender_profile_url": "https://homeownersfg.com/rachellecoffey/"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "27 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/rachelle-coffey-203664"
    },
    {
      "rank": 3,
      "score": 52.6,
      "loan_officer": {
        "nmls_id": 690505,
        "slug": "iris-legaspi-690505",
        "full_name": "Iris Legaspi",
        "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505",
        "json_url": "https://lendb.ai/lo/iris-legaspi-690505.json",
        "lender": {
          "nmls_id": 503941,
          "name": "First Citizens Bank",
          "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "licensed_states": [
          "AL",
          "AZ",
          "CA",
          "CO",
          "DC",
          "FL",
          "GA",
          "HI",
          "IA",
          "IL",
          "KS",
          "MA",
          "MD",
          "MI",
          "MN",
          "MO",
          "NC",
          "NE",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "SC",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA",
          "WI",
          "WV",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 17,
        "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "17 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505"
    },
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      "rank": 4,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 139284,
        "slug": "trudi-hatch-139284",
        "full_name": "Trudi Hatch",
        "canonical_url": "https://lendb.ai/lo/trudi-hatch-139284",
        "json_url": "https://lendb.ai/lo/trudi-hatch-139284.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Tremonton",
          "state": "UT"
        },
        "licensed_states": [
          "ID",
          "UT",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "years_experience": 27,
        "lender_profile_url": "https://branches.guildmortgage.com/ut/tremonton/trudi-hatch-883-hptha.html"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "27 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/trudi-hatch-139284"
    },
    {
      "rank": 5,
      "score": 50.8,
      "loan_officer": {
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        "slug": "brad-mabey-262718",
        "full_name": "Brad Mabey",
        "canonical_url": "https://lendb.ai/lo/brad-mabey-262718",
        "json_url": "https://lendb.ai/lo/brad-mabey-262718.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Spanish Fork",
          "state": "UT"
        },
        "licensed_states": [
          "ID",
          "NV",
          "SC",
          "UT",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/ut/spanishfork/brad-mabey-161-hpbma.html"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "20 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/brad-mabey-262718"
    },
    {
      "rank": 6,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 299480,
        "slug": "aaron-morgan-299480",
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        "canonical_url": "https://lendb.ai/lo/aaron-morgan-299480",
        "json_url": "https://lendb.ai/lo/aaron-morgan-299480.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Draper",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/ut/draper/aaron-morgan-670-hpamor.html"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "20 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/aaron-morgan-299480"
    },
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      "rank": 7,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 748082,
        "slug": "corey-merrill-748082",
        "full_name": "Corey Merrill",
        "canonical_url": "https://lendb.ai/lo/corey-merrill-748082",
        "json_url": "https://lendb.ai/lo/corey-merrill-748082.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465"
        },
        "branch": {
          "city": "Pleasant Grove",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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        ],
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        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/corey-merrill/"
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      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "No disciplinary actions on file at LenDb"
      ],
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      "rank": 8,
      "score": 50.8,
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        "slug": "ashlee-shipley-1280022",
        "full_name": "Ashlee Shipley",
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        "json_url": "https://lendb.ai/lo/ashlee-shipley-1280022.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289"
        },
        "branch": {
          "city": "Salt Lake City",
          "state": "UT"
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        "licensed_states": [
          "ID",
          "SD",
          "UT",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/ashlee-shipley-1280022"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/ashlee-shipley-1280022"
    },
    {
      "rank": 9,
      "score": 50.8,
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        "slug": "aj-molina-1660792",
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        "canonical_url": "https://lendb.ai/lo/aj-molina-1660792",
        "json_url": "https://lendb.ai/lo/aj-molina-1660792.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465"
        },
        "branch": {
          "city": "St. George",
          "state": "UT"
        },
        "licensed_states": [
          "AZ",
          "NV",
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/aj-molina/"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/aj-molina-1660792"
    },
    {
      "rank": 10,
      "score": 50.8,
      "loan_officer": {
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        "slug": "bailee-beck-2675681",
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        "canonical_url": "https://lendb.ai/lo/bailee-beck-2675681",
        "json_url": "https://lendb.ai/lo/bailee-beck-2675681.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465"
        },
        "branch": {
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          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/bailee-beck/"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
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      ],
      "canonical_url": "https://lendb.ai/lo/bailee-beck-2675681"
    }
  ]
}