{
  "canonical_url": "https://lendb.ai/lo/rachel-thorell-252850",
  "lede": {
    "text": "Rachel Thorell (NMLS 252850) is a Loan Officer at Lifetime Home Loans, LLC, serving Utah.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Rachel licensed in Utah?",
      "a": "Lifetime Home Loans, LLC's page for Rachel lists Utah. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access.",
      "fields": [
        "licenses"
      ],
      "source": "lender page",
      "source_url": "https://lifetimehomeloans.com/project/rachel-thorell/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "What lender does Rachel work for?",
      "a": "Lifetime Home Loans, LLC, company NMLS 1861406, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://lifetimehomeloans.com/project/rachel-thorell/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How much experience does Rachel have?",
      "a": "Rachel states 30 years of experience.",
      "fields": [
        "years_experience"
      ],
      "source": "the loan officer's own statement",
      "source_url": "https://lifetimehomeloans.com/project/rachel-thorell/",
      "verified_at": "2026-10-15"
    }
  ],
  "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": 252850,
    "slug": "rachel-thorell-252850",
    "canonical_url": "https://lendb.ai/lo/rachel-thorell-252850",
    "md_url": "https://lendb.ai/lo/rachel-thorell-252850.md",
    "json_url": "https://lendb.ai/lo/rachel-thorell-252850.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/252850",
    "full_name": {
      "value": "Rachel Thorell",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/rachel-thorell/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Rachel",
    "last_name": "Thorell",
    "headshot_url": {
      "value": "https://lifetimehomeloans.com/wp-content/uploads/2024/12/Rachel-Thorell-Color.png",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/rachel-thorell/",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Rachel Thorell is a Loan Officer with 30 years in mortgage lending. Their page says they serve on nonprofit boards, including the Children of Ethiopia Education Fund for 10 years and Builders Without Borders of Utah for 7 years. They also mention reverse mortgages among the loans they help with.",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/rachel-thorell/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/rachel-thorell/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/rachel-thorell/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 30,
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/rachel-thorell/",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 75,
    "current_employment": {
      "lender_nmls_id": 1861406,
      "lender_name": "Lifetime Home Loans, LLC",
      "lender_slug": "lifetime-home-loans-llc-1861406",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://lifetimehomeloans.com/project/rachel-thorell/",
      "lender_type": "other",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/rachel-thorell/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1861406,
        "lender_name": "Lifetime Home Loans, LLC",
        "lender_slug": "lifetime-home-loans-llc-1861406",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://lifetimehomeloans.com/project/rachel-thorell/",
        "lender_type": "other",
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/rachel-thorell/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "UT",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/rachel-thorell/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "30",
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/rachel-thorell/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "community",
        "value": "Children of Ethiopia Education Fund, 10 years",
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/rachel-thorell/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "community",
        "value": "Builders Without Borders of Utah, 7 years",
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/rachel-thorell/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-15",
    "updated_at": "2026-10-15 18:33:32.614773+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/rachel-thorell-252850#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://lifetimehomeloans.com/project/rachel-thorell/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}