{
  "canonical_url": "https://lendb.ai/s/low-credit/utah",
  "summary": "As of 2026-10-09, LenDb lists 1 loan officer licensed in or based in Utah whose lender pages show Low credit score work. The top-ranked is James Hirst (American Pacific Mortgage, Layton). Ranking is lender-neutral: specialty evidence first, then a license in UT, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "low-credit",
  "state": "UT",
  "total": 1,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 50,
      "loan_officer": {
        "nmls_id": 880547,
        "slug": "james-hirst-880547",
        "full_name": "James Hirst",
        "canonical_url": "https://lendb.ai/lo/james-hirst-880547",
        "json_url": "https://lendb.ai/lo/james-hirst-880547.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Layton",
          "state": "UT"
        },
        "licensed_states": [
          "AL",
          "TN",
          "UT"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.apmortgage.com/james-hirst",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Low credit score on lender page (lender page, verified 2026-10-09)",
        "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/james-hirst-880547",
      "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.apmortgage.com/james-hirst"
      },
      "match_status": "exact",
      "matched_specialties": [
        "low-credit"
      ],
      "unconfirmed_specialties": []
    }
  ]
}