{
  "canonical_url": "https://lendb.ai/lo/clay-brown-164811",
  "loan_officer": {
    "nmls_id": 164811,
    "slug": "clay-brown-164811",
    "canonical_url": "https://lendb.ai/lo/clay-brown-164811",
    "md_url": "https://lendb.ai/lo/clay-brown-164811.md",
    "json_url": "https://lendb.ai/lo/clay-brown-164811.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/164811",
    "full_name": {
      "value": "Clayton Lee Brown",
      "source": "lender_site",
      "source_url": "https://branches.guildmortgage.com/az/lakeside/clay-brown-871-azcb.html",
      "verified_at": "2026-10-09"
    },
    "first_name": "Clay",
    "last_name": "Brown",
    "headshot_url": {
      "value": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/azcb-clay-brown.jpg",
      "source": "lender_site",
      "source_url": "https://branches.guildmortgage.com/az/lakeside/clay-brown-871-azcb.html",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Clay has worked in mortgage lending since 1984 with extensive knowledge across all loan programs. He manages the White Mountains Branch with his wife Kelley and has lived in the area since 2006.",
      "source": "lender_site",
      "source_url": "https://branches.guildmortgage.com/az/lakeside/clay-brown-871-azcb.html",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Consultant",
      "source": "lender_site",
      "source_url": "https://branches.guildmortgage.com/az/lakeside/clay-brown-871-azcb.html",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://branches.guildmortgage.com/az/lakeside/clay-brown-871-azcb.html",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 3274,
      "lender_name": "Guild Mortgage",
      "lender_slug": "guild-mortgage-3274",
      "branch_city": "Lakeside",
      "branch_state": "AZ",
      "branch_zip": "85929",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://branches.guildmortgage.com/az/lakeside/clay-brown-871-azcb.html",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://branches.guildmortgage.com/az/lakeside/clay-brown-871-azcb.html",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 3274,
        "lender_name": "Guild Mortgage",
        "lender_slug": "guild-mortgage-3274",
        "branch_city": "Lakeside",
        "branch_state": "AZ",
        "branch_zip": "85929",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://branches.guildmortgage.com/az/lakeside/clay-brown-871-azcb.html",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/az/lakeside/clay-brown-871-azcb.html",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "AZ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/az/lakeside/clay-brown-871-azcb.html",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "1984",
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/az/lakeside/clay-brown-871-azcb.html",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "Bachelor of Science in Business Management with concentration in Finance from Brigham Young University",
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/az/lakeside/clay-brown-871-azcb.html",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "White Mountains area; lived there since 2006",
        "source": "lender_site",
        "source_url": "https://branches.guildmortgage.com/az/lakeside/clay-brown-871-azcb.html",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 00:37:23.234343+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/clay-brown-164811#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://branches.guildmortgage.com/az/lakeside/clay-brown-871-azcb.html",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": null
  }
}