{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=first-time-buyer&state=UT",
  "filters": {
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    "limit": 10
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      "score": 62.8,
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          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
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          "UT",
          "WY"
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        "licenses": [
          {
            "state": "UT",
            "confidence": "lender_reported"
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          {
            "state": "WY",
            "confidence": "lender_reported"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "heloc",
            "evidence": "lender_page_text"
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          {
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        "licensed_since": null,
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        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Heber City, UT",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 25 years of experience (lender page, 2026-10-09)"
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        "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://branches.guildmortgage.com/ut/hebercity/brandon-hicken-409-skbh.html"
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        "first-time-buyer"
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          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
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          "state": "UT"
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          "CA",
          "MT",
          "NV",
          "UT",
          "WA"
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        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "MT",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 19,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/mike-molina/",
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        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "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, 2026-10-09)"
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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)",
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        "source_url": "https://www.intercaplending.com/loan-officer/mike-molina/"
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        "first-time-buyer"
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      "score": 61.3,
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        "nmls_id": 1122404,
        "slug": "andrea-eggleton-1122404",
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          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Cottonwood Heights",
          "state": "UT"
        },
        "licensed_states": [
          "CO",
          "AZ",
          "ID",
          "NV",
          "UT"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
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        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2020-07-08",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2020,
          "state": "CO"
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        "years_experience": 17,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/andrea-eggleton/",
        "disciplinary_check": "not_checked"
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        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Cottonwood Heights, UT",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 8, 2020 (Colorado), per state regulator",
        "States 17 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/andrea-eggleton-1122404",
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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/andrea-eggleton/"
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      "matched_specialties": [
        "first-time-buyer"
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      "rank": 4,
      "score": 59.8,
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        "slug": "jay-garvens-368259",
        "full_name": "Jay Garvens",
        "canonical_url": "https://lendb.ai/lo/jay-garvens-368259",
        "json_url": "https://lendb.ai/lo/jay-garvens-368259.json",
        "lender": {
          "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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        "licensed_states": [
          "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": "confirmed"
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          {
            "state": "UT",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2007-01-25",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2007,
          "state": "CO"
        },
        "years_experience": 25,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/jay-garvens",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists First-time buyer 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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        "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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        "first-time-buyer"
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      "score": 59.3,
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        "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",
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          "name": "Intercap Lending",
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          "type": "imb"
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          "UT"
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        "licenses": [
          {
            "state": "UT",
            "confidence": "lender_reported"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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            "slug": "investor",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 13,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/kris-james/",
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        "Office in Cottonwood Heights, UT",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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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/kris-james/"
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        "slug": "mark-mabey-287958",
        "full_name": "Mark Mabey",
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        "json_url": "https://lendb.ai/lo/mark-mabey-287958.json",
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
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          "AZ",
          "ID",
          "NV",
          "UT"
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        "licenses": [
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            "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"
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          {
            "state": "UT",
            "confidence": "lender_reported"
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        ],
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        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2022-03-16",
          "state": "CO"
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        "licensed_since": {
          "year": 2022,
          "state": "CO"
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        "years_experience": 11,
        "lender_profile_url": "https://branches.guildmortgage.com/ut/southjordan/mark-mabey-51-hpmmab.html",
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        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 16, 2022 (Colorado), per state regulator",
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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/ut/southjordan/mark-mabey-51-hpmmab.html"
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      "rank": 7,
      "score": 55.8,
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        "nmls_id": 260636,
        "slug": "andrea-roylance-260636",
        "full_name": "Andrea Roylance",
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        "json_url": "https://lendb.ai/lo/andrea-roylance-260636.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
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        "licensed_states": [
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          "TX",
          "UT"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "UT",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "investor",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2023-12-22",
          "state": "TX"
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        "licensed_since": {
          "year": 2023,
          "state": "TX"
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        "years_experience": 10,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/andrea-roylance/",
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      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Farmington, UT",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 22, 2023 (Texas), per state regulator",
        "States 10 years of experience (lender page, 2026-10-09)"
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      "canonical_url": "https://lendb.ai/lo/andrea-roylance-260636",
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        "label": "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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      "score": 55.8,
      "loan_officer": {
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        "slug": "cesar-pardo-942929",
        "full_name": "Cesar Pardo",
        "canonical_url": "https://lendb.ai/lo/cesar-pardo-942929",
        "json_url": "https://lendb.ai/lo/cesar-pardo-942929.json",
        "lender": {
          "nmls_id": 1686046,
          "name": "Revolution Mortgage",
          "canonical_url": "https://lendb.ai/lender/revolution-mortgage-1686046",
          "type": "imb"
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        "branch": {
          "city": "Puyallup",
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        "licensed_states": [
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          "CA",
          "CO",
          "FL",
          "NC",
          "NM",
          "NV",
          "OH",
          "OR",
          "SC",
          "TX",
          "UT",
          "WA"
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        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "NM",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "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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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 12,
        "lender_profile_url": "https://www.revolutionmortgage.com/loan-officer/942929",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists First-time buyer 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)",
        "States 12 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/cesar-pardo-942929",
      "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.revolutionmortgage.com/loan-officer/942929"
      },
      "match_status": "exact",
      "matched_specialties": [
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}