---
canonical_url: https://lendb.ai/lo/james-hirst-880547
json_url: https://lendb.ai/lo/james-hirst-880547.json
nmls_id: 880547
last_verified: 2026-10-09
---

# James Hirst

Operations Manager at American Pacific Mortgage, Layton, UT. NMLS ID 880547 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/880547)).

**Summary:** James Hirst (NMLS 880547) is Operations Manager at American Pacific Mortgage, based in Layton, UT. Lists Alabama, Tennessee and Utah on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer and Low credit score. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Alabama (AL, lender_reported), Tennessee (TN, lender_reported), Utah (UT, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.apmortgage.com/james-hirst
- **Low credit score** (`low-credit`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.apmortgage.com/james-hirst

## About

James has been in the mortgage industry since 2010, focusing on financial literacy and helping first-time buyers and people with credit challenges. He serves the Farmington/Centerville/Bountiful area.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: since 2010. Source: https://www.apmortgage.com/james-hirst, verified 2026-10-09.
- service_area: Farmington/Centerville/Bountiful area. Source: https://www.apmortgage.com/james-hirst, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| AL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| UT | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: American Pacific Mortgage (NMLS 1850), Layton, UT. Source: https://www.apmortgage.com/james-hirst, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/880547

## Contact

- linkedin_url: https://www.linkedin.com/in/james-hirst-6b325a40/ (source: lender_site, verified 2026-10-09)
- View profile at American Pacific Mortgage: https://www.apmortgage.com/james-hirst
- Email on file: shown at https://lendb.ai/lo/james-hirst-880547#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/880547
- lender_site: https://www.apmortgage.com/james-hirst

Cite as: James Hirst (NMLS 880547), American Pacific Mortgage. LenDb.ai, https://lendb.ai/lo/james-hirst-880547, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._