{
  "canonical_url": "https://lendb.ai/lo/bryan-upchurch-1647179",
  "lede": {
    "text": "Bryan Upchurch (NMLS 1647179) is a Loan Officer at Merit Mortgage, LP, licensed in Texas since 2018.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Bryan licensed in Texas?",
      "a": "Yes. Texas regulator records list a license as active, first effective July 12, 2018 (verified 2026-10-13).",
      "fields": [
        "licenses"
      ],
      "source": "Texas state regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    {
      "q": "What lender does Bryan work for?",
      "a": "Merit Mortgage, LP, company NMLS 1658041, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://merit.mortgage/bryan/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Bryan been licensed?",
      "a": "The earliest state license record LenDb holds for Bryan is from July 12, 2018 (Texas regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Texas state regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    }
  ],
  "field_notes": {
    "languages": "Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it."
  },
  "loan_officer": {
    "nmls_id": 1647179,
    "slug": "bryan-upchurch-1647179",
    "canonical_url": "https://lendb.ai/lo/bryan-upchurch-1647179",
    "md_url": "https://lendb.ai/lo/bryan-upchurch-1647179.md",
    "json_url": "https://lendb.ai/lo/bryan-upchurch-1647179.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1647179",
    "full_name": {
      "value": "Bryan Upchurch",
      "source": "state_regulator",
      "source_url": "https://merit.mortgage/bryan/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Bryan",
    "last_name": "Upchurch",
    "headshot_url": {
      "value": "https://merit.mortgage/wp-content/uploads/2023/04/Headshot-2021-scaled-e1681231444110-970x777.jpg",
      "source": "state_regulator",
      "source_url": "https://merit.mortgage/bryan/",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Loan Officer",
      "source": "state_regulator",
      "source_url": "https://merit.mortgage/bryan/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://merit.mortgage/bryan/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 55,
    "current_employment": {
      "lender_nmls_id": 1658041,
      "lender_name": "Merit Mortgage, LP",
      "lender_slug": "merit-mortgage-lp-1658041",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://merit.mortgage/bryan/",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://merit.mortgage/bryan/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1658041,
        "lender_name": "Merit Mortgage, LP",
        "lender_slug": "merit-mortgage-lp-1658041",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://merit.mortgage/bryan/",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://merit.mortgage/bryan/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2018-07-12",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "education",
        "value": "Studied music at Southwestern Seminary",
        "source": "lender_site",
        "source_url": "https://merit.mortgage/bryan/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "credential",
        "value": "2024 Top Mortgage Professional, 360 West Magazine",
        "source": "lender_site",
        "source_url": "https://merit.mortgage/bryan/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "credential",
        "value": "2022 Affiliate of the Year, Greater Fort Worth Association of Realtors",
        "source": "lender_site",
        "source_url": "https://merit.mortgage/bryan/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "community",
        "value": "PTA President",
        "source": "lender_site",
        "source_url": "https://merit.mortgage/bryan/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 20:05:44.339597+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/bryan-upchurch-1647179#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://merit.mortgage/bryan/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2018-07-12",
      "state": "TX"
    },
    "licensed_since": {
      "year": 2018,
      "state": "TX"
    },
    "federal_registration": null
  }
}