{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=fha&state=UT",
  "filters": {
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    "limit": 10
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      "score": 59.8,
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        "slug": "jay-garvens-368259",
        "full_name": "Jay Garvens",
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          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Colorado Springs",
          "state": "CO"
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          "FL",
          "CO",
          "MO",
          "MT",
          "NM",
          "OK",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT"
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        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "MO",
            "confidence": "lender_reported"
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          {
            "state": "MT",
            "confidence": "lender_reported"
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          {
            "state": "NM",
            "confidence": "lender_reported"
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          {
            "state": "OK",
            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "SD",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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          {
            "state": "UT",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
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        "specialties": [
          {
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            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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          "date": "2007-01-25",
          "state": "CO"
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        "licensed_since": {
          "year": 2007,
          "state": "CO"
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        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 25, 2007 (Colorado), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
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      "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": "2026-10-09",
        "source_url": "https://www.churchillmortgage.com/loan-officers/jay-garvens"
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        "slug": "tyler-rowland-1832068",
        "full_name": "Tyler Rowland",
        "canonical_url": "https://lendb.ai/lo/tyler-rowland-1832068",
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          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
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        "branch": {
          "city": "Cedar City",
          "state": "UT"
        },
        "licensed_states": [
          "CO",
          "CA",
          "ID",
          "NV",
          "UT",
          "WY"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "ID",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-06-17",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2022,
          "state": "CO"
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        "years_experience": 6,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/tyler-rowland/",
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        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Cedar City, UT",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 17, 2022 (Colorado), per state regulator",
        "States 6 years of experience (lender page, 2026-10-09)"
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      "canonical_url": "https://lendb.ai/lo/tyler-rowland-1832068",
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        "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": "2026-10-09",
        "source_url": "https://www.intercaplending.com/loan-officer/tyler-rowland/"
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      "matched_specialties": [
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        "nmls_id": 262718,
        "slug": "brad-mabey-262718",
        "full_name": "Brad Mabey",
        "canonical_url": "https://lendb.ai/lo/brad-mabey-262718",
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          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
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        "branch": {
          "city": "Spanish Fork",
          "state": "UT"
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        "licensed_states": [
          "ID",
          "NV",
          "SC",
          "UT",
          "WY"
        ],
        "licenses": [
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/ut/spanishfork/brad-mabey-161-hpbma.html",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Spanish Fork, UT",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/brad-mabey-262718",
      "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": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/ut/spanishfork/brad-mabey-161-hpbma.html"
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      "match_status": "exact",
      "matched_specialties": [
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      "loan_officer": {
        "nmls_id": 279638,
        "slug": "emily-magill-279638",
        "full_name": "Emily Magill",
        "canonical_url": "https://lendb.ai/lo/emily-magill-279638",
        "json_url": "https://lendb.ai/lo/emily-magill-279638.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Pleasant Grove",
          "state": "UT"
        },
        "licensed_states": [
          "NM",
          "NV",
          "TX",
          "UT"
        ],
        "licenses": [
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 28,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/emily-magill/",
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      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Pleasant Grove, UT",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 28 years of experience (lender page, 2026-10-09)"
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      "canonical_url": "https://lendb.ai/lo/emily-magill-279638",
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        "state": "UT",
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        "eligible": true,
        "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.intercaplending.com/loan-officer/emily-magill/"
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      "score": 54.8,
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        "slug": "ashlie-roe-639380",
        "full_name": "Ashlie Roe",
        "canonical_url": "https://lendb.ai/lo/ashlie-roe-639380",
        "json_url": "https://lendb.ai/lo/ashlie-roe-639380.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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        "branch": {
          "city": "Eden",
          "state": "UT"
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        "licensed_states": [
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          "CA",
          "CO",
          "ID",
          "MT",
          "NV",
          "OR",
          "TX",
          "UT",
          "WA",
          "WY"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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          {
            "state": "UT",
            "confidence": "lender_reported"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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            "state": "WY",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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          {
            "slug": "construction",
            "evidence": "lender_page_text"
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          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2018-08-07",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2018,
          "state": "CO"
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        "lender_profile_url": "https://crosscountrymortgage.com/eden-ut-3606/ashlie-roe/",
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        "Office in Eden, UT",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 7, 2018 (Colorado), per state regulator"
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      "canonical_url": "https://lendb.ai/lo/ashlie-roe-639380",
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        "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": "2026-10-09",
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        "full_name": "Greg Brooks",
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        "lender": {
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          "name": "Guild Mortgage",
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          "type": "imb"
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        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "licensed_states": [
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          "AZ",
          "CA",
          "KS",
          "MO",
          "OR",
          "TX",
          "UT",
          "WI"
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        "licenses": [
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            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "MO",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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          {
            "state": "UT",
            "confidence": "lender_reported"
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          {
            "state": "WI",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "slug": "fha",
            "evidence": "lender_page_text"
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            "slug": "va",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2017-04-21",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "FL"
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        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/sandiego/greg-brooks-610-kmgjb.html",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 21, 2017 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/gregory-brooks-151145",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/ca/sandiego/greg-brooks-610-kmgjb.html"
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      "matched_specialties": [
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      "score": 52.8,
      "loan_officer": {
        "nmls_id": 222015,
        "slug": "jimmy-miller-222015",
        "full_name": "Jimmy Miller",
        "canonical_url": "https://lendb.ai/lo/jimmy-miller-222015",
        "json_url": "https://lendb.ai/lo/jimmy-miller-222015.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
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          "state": "UT"
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        "licensed_states": [
          "UT"
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        "licenses": [
          {
            "state": "UT",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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        "earliest_license_record": null,
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        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/jimmy-miller/",
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      },
      "reasons": [
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        "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/jimmy-miller-222015",
      "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": "2026-10-09",
        "source_url": "https://www.intercaplending.com/loan-officer/jimmy-miller/"
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      "score": 52.8,
      "loan_officer": {
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        "slug": "shannon-johnson-916249",
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        "canonical_url": "https://lendb.ai/lo/shannon-johnson-916249",
        "json_url": "https://lendb.ai/lo/shannon-johnson-916249.json",
        "lender": {
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          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
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        "branch": {
          "city": "Brigham City",
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        "licensed_states": [
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          "ID",
          "UT",
          "WA"
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        "licenses": [
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            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "ID",
            "confidence": "lender_reported"
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          {
            "state": "UT",
            "confidence": "lender_reported"
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            "state": "WA",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "evidence": "lender_page_text"
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          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "usda",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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