{
  "canonical_url": "https://lendb.ai/lang/pt/utah",
  "summary": "As of 2026-10-20, LenDb lists 3 loan officers licensed in or based in Utah whose lender pages say they speak Portuguese. The top-ranked are Andreia Faustino (American Pacific Mortgage, Layton), Grant Oakes (Loan Factory) and Joe Stevenson (Lifetime Home Loans, LLC). Ranking is lender-neutral: a license in UT, branch location, experience and profile completeness. Nobody pays for placement. Languages come only from loan officers' own lender pages, and most lender pages do not list languages. A loan officer missing from this list may still speak it: not listed means not stated, not that they do not speak it.",
  "language": "pt",
  "state": "UT",
  "total": 3,
  "last_verified": "2026-10-20",
  "results": [
    {
      "rank": 1,
      "score": 32,
      "loan_officer": {
        "nmls_id": 295147,
        "slug": "andreia-faustino-295147",
        "full_name": "Andreia Faustino",
        "canonical_url": "https://lendb.ai/lo/andreia-faustino-295147",
        "json_url": "https://lendb.ai/lo/andreia-faustino-295147.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "slug": "american-pacific-mortgage-1850",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Layton",
          "state": "UT"
        },
        "headshot_url": null,
        "licensed_states": [
          "UT"
        ],
        "licenses": [
          {
            "state": "UT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es",
          "pt"
        ],
        "specialties": [],
        "lender_offers": [
          "bank-statement",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "foreign-national",
          "heloc",
          "investor",
          "itin",
          "jumbo",
          "low-credit",
          "manufactured",
          "new-construction",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "self-employed",
          "usda",
          "va",
          "vacation-home"
        ],
        "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.apmortgage.com/andreia-faustino",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Portuguese (lender page, verified 2026-10-20)",
        "Office in Layton, UT",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/andreia-faustino-295147",
      "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.apmortgage.com/andreia-faustino"
      }
    },
    {
      "rank": 2,
      "score": 25.8,
      "loan_officer": {
        "nmls_id": 708315,
        "slug": "grant-oakes-708315",
        "full_name": "Grant Oakes",
        "licensed_names": [
          {
            "name": "Grant Oakes",
            "name_with_middle_initial": "Grant W. Oakes",
            "first_name": "Grant",
            "middle_initial": "W",
            "last_name": "Oakes",
            "states": [
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/grant-oakes-708315",
        "json_url": "https://lendb.ai/lo/grant-oakes-708315.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "slug": "loan-factory-320841",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://lh3.googleusercontent.com/UobmBkRbnpUwFB35kMce_o5FMhBM3grLcxR37Ey3IgbVC_kW6EmSwzYSNd94thb14gv8fcOC5OqsczQFfamvMAgGaLYDisHg2Uw",
        "licensed_states": [
          "UT"
        ],
        "licenses": [
          {
            "state": "UT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "pt"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-11-17",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/grant-oakes-708315",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Portuguese (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: November 17, 2017 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/grant-oakes-708315",
      "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.loanfactory.com/mortgage-expert/grant-oakes-708315"
      }
    },
    {
      "rank": 3,
      "score": 22.3,
      "loan_officer": {
        "nmls_id": 2005834,
        "slug": "joe-stevenson-2005834",
        "full_name": "Joe Stevenson",
        "canonical_url": "https://lendb.ai/lo/joe-stevenson-2005834",
        "json_url": "https://lendb.ai/lo/joe-stevenson-2005834.json",
        "lender": {
          "nmls_id": 1861406,
          "name": "Lifetime Home Loans, LLC",
          "slug": "lifetime-home-loans-llc-1861406",
          "canonical_url": "https://lendb.ai/lender/lifetime-home-loans-llc-1861406",
          "type": "other"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://lifetimehomeloans.com/wp-content/uploads/2024/12/Joe-Stevenson.png",
        "licensed_states": [
          "UT"
        ],
        "licenses": [
          {
            "state": "UT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es",
          "pt"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://lifetimehomeloans.com/project/joe-stevenson/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Portuguese (lender page, verified 2026-10-15)",
        "UT listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/joe-stevenson-2005834",
      "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://lifetimehomeloans.com/project/joe-stevenson/"
      }
    }
  ]
}