{
  "canonical_url": "https://lendb.ai/s/reverse/utah",
  "summary": "As of 2026-10-09, LenDb lists 47 loan officers licensed in or based in Utah whose lender pages show Reverse mortgage work. The top-ranked are Kevin Rowe (Guild Mortgage, Draper), Kris James (Intercap Lending, Cottonwood Heights) and Brandon Hansen (Guild Mortgage, Toquerville). Ranking is lender-neutral: specialty evidence first, then a license in UT, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "reverse",
  "state": "UT",
  "total": 47,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 295609,
        "slug": "kevin-rowe-295609",
        "full_name": "Kevin Rowe",
        "canonical_url": "https://lendb.ai/lo/kevin-rowe-295609",
        "json_url": "https://lendb.ai/lo/kevin-rowe-295609.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Draper",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 27,
        "lender_profile_url": "https://branches.guildmortgage.com/ut/draper/kevin-rowe-670-hpkro.html"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "27 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kevin-rowe-295609"
    },
    {
      "rank": 2,
      "score": 56,
      "loan_officer": {
        "nmls_id": 900967,
        "slug": "kris-james-900967",
        "full_name": "Kris James",
        "canonical_url": "https://lendb.ai/lo/kris-james-900967",
        "json_url": "https://lendb.ai/lo/kris-james-900967.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465"
        },
        "branch": {
          "city": "Cottonwood Heights",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 13,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/kris-james/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "13 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kris-james-900967"
    },
    {
      "rank": 3,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 283559,
        "slug": "brandon-hansen-283559",
        "full_name": "Brandon Hansen",
        "canonical_url": "https://lendb.ai/lo/brandon-hansen-283559",
        "json_url": "https://lendb.ai/lo/brandon-hansen-283559.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Toquerville",
          "state": "UT"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "ID",
          "NM",
          "NV",
          "OR",
          "TX",
          "UT",
          "WA",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/ut/toquerville/brandon-hansen-817-chbh.html"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "8 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/brandon-hansen-283559"
    },
    {
      "rank": 4,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 680603,
        "slug": "bill-gaylord-680603",
        "full_name": "Bill Gaylord",
        "canonical_url": "https://lendb.ai/lo/bill-gaylord-680603",
        "json_url": "https://lendb.ai/lo/bill-gaylord-680603.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Henderson",
          "state": "NV"
        },
        "licensed_states": [
          "AL",
          "AZ",
          "CA",
          "NV",
          "UT",
          "VA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 33,
        "lender_profile_url": "https://branches.guildmortgage.com/nv/henderson/bill-gaylord-483-vgbg.html"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "33 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/bill-gaylord-680603"
    },
    {
      "rank": 5,
      "score": 51,
      "loan_officer": {
        "nmls_id": 238911,
        "slug": "kathy-gray-238911",
        "full_name": "Kathy Gray",
        "canonical_url": "https://lendb.ai/lo/kathy-gray-238911",
        "json_url": "https://lendb.ai/lo/kathy-gray-238911.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "St. George",
          "state": "UT"
        },
        "licensed_states": [
          "CA",
          "UT"
        ],
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ut/stgeorge/kathy-gray-521-vekg.html"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kathy-gray-238911"
    },
    {
      "rank": 6,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 4734,
        "slug": "michael-jones-4734",
        "full_name": "Michael Jones",
        "canonical_url": "https://lendb.ai/lo/michael-jones-4734",
        "json_url": "https://lendb.ai/lo/michael-jones-4734.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465"
        },
        "branch": {
          "city": "Canyons",
          "state": "UT"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "ID",
          "KS",
          "NV",
          "TX",
          "UT",
          "WA",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/michael-jones/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "4 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-jones-4734"
    },
    {
      "rank": 7,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 64281,
        "slug": "debbie-hartman-64281",
        "full_name": "Debbie Hartman",
        "canonical_url": "https://lendb.ai/lo/debbie-hartman-64281",
        "json_url": "https://lendb.ai/lo/debbie-hartman-64281.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "St. George",
          "state": "UT"
        },
        "licensed_states": [
          "ID",
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ut/stgeorge/debbie-hartman-521-sgdh.html"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/debbie-hartman-64281"
    },
    {
      "rank": 8,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 139284,
        "slug": "trudi-hatch-139284",
        "full_name": "Trudi Hatch",
        "canonical_url": "https://lendb.ai/lo/trudi-hatch-139284",
        "json_url": "https://lendb.ai/lo/trudi-hatch-139284.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Tremonton",
          "state": "UT"
        },
        "licensed_states": [
          "ID",
          "UT",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 27,
        "lender_profile_url": "https://branches.guildmortgage.com/ut/tremonton/trudi-hatch-883-hptha.html"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "27 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/trudi-hatch-139284"
    },
    {
      "rank": 9,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 748082,
        "slug": "corey-merrill-748082",
        "full_name": "Corey Merrill",
        "canonical_url": "https://lendb.ai/lo/corey-merrill-748082",
        "json_url": "https://lendb.ai/lo/corey-merrill-748082.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465"
        },
        "branch": {
          "city": "Pleasant Grove",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/corey-merrill/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/corey-merrill-748082"
    },
    {
      "rank": 10,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 1973756,
        "slug": "john-graham-1973756",
        "full_name": "John Graham",
        "canonical_url": "https://lendb.ai/lo/john-graham-1973756",
        "json_url": "https://lendb.ai/lo/john-graham-1973756.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465"
        },
        "branch": {
          "city": "St. George",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/john-graham/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/john-graham-1973756"
    },
    {
      "rank": 11,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 2675681,
        "slug": "bailee-beck-2675681",
        "full_name": "Bailee Beck",
        "canonical_url": "https://lendb.ai/lo/bailee-beck-2675681",
        "json_url": "https://lendb.ai/lo/bailee-beck-2675681.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465"
        },
        "branch": {
          "city": "Pleasant Grove",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/bailee-beck/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/bailee-beck-2675681"
    },
    {
      "rank": 12,
      "score": 50,
      "loan_officer": {
        "nmls_id": 315196,
        "slug": "tyler-anderson-315196",
        "full_name": "Tyler Anderson",
        "canonical_url": "https://lendb.ai/lo/tyler-anderson-315196",
        "json_url": "https://lendb.ai/lo/tyler-anderson-315196.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465"
        },
        "branch": {
          "city": "Cottonwood Heights",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/tyler-anderson/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/tyler-anderson-315196"
    },
    {
      "rank": 13,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 308611,
        "slug": "brent-rose-308611",
        "full_name": "Brent Rose",
        "canonical_url": "https://lendb.ai/lo/brent-rose-308611",
        "json_url": "https://lendb.ai/lo/brent-rose-308611.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465"
        },
        "branch": {
          "city": "Pleasant Grove",
          "state": "UT"
        },
        "licensed_states": [
          "ID",
          "TX",
          "UT",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/brent-rose-lo/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "14 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/brent-rose-308611"
    },
    {
      "rank": 14,
      "score": 48.3,
      "loan_officer": {
        "nmls_id": 2070968,
        "slug": "regina-morgan-2070968",
        "full_name": "Regina Morgan",
        "canonical_url": "https://lendb.ai/lo/regina-morgan-2070968",
        "json_url": "https://lendb.ai/lo/regina-morgan-2070968.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AZ",
          "TX",
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 10,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/regina-morgan-2070968"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "10 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/regina-morgan-2070968"
    },
    {
      "rank": 15,
      "score": 48,
      "loan_officer": {
        "nmls_id": 468085,
        "slug": "curtis-packer-468085",
        "full_name": "Curtis Packer",
        "canonical_url": "https://lendb.ai/lo/curtis-packer-468085",
        "json_url": "https://lendb.ai/lo/curtis-packer-468085.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289"
        },
        "branch": {
          "city": "Kaysville",
          "state": "UT"
        },
        "licensed_states": [
          "ID",
          "UT",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/curtis-packer-468085"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/curtis-packer-468085"
    },
    {
      "rank": 16,
      "score": 47.3,
      "loan_officer": {
        "nmls_id": 224816,
        "slug": "jonathan-schneider-224816",
        "full_name": "Jon Schneider",
        "canonical_url": "https://lendb.ai/lo/jonathan-schneider-224816",
        "json_url": "https://lendb.ai/lo/jonathan-schneider-224816.json",
        "lender": {
          "nmls_id": 181106,
          "name": "Barrett Financial Group",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106"
        },
        "branch": {
          "city": "Chandler",
          "state": "AZ"
        },
        "licensed_states": [
          "AZ",
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": null,
        "lender_profile_url": "https://www.barrettfinancial.com/jschneider"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "3 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jonathan-schneider-224816"
    },
    {
      "rank": 17,
      "score": 47.3,
      "loan_officer": {
        "nmls_id": 772168,
        "slug": "jared-gibbons-772168",
        "full_name": "Jared Gibbons",
        "canonical_url": "https://lendb.ai/lo/jared-gibbons-772168",
        "json_url": "https://lendb.ai/lo/jared-gibbons-772168.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289"
        },
        "branch": {
          "city": "Draper",
          "state": "UT"
        },
        "licensed_states": [
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/jared-gibbons-772168"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jared-gibbons-772168"
    },
    {
      "rank": 18,
      "score": 47.3,
      "loan_officer": {
        "nmls_id": 1570471,
        "slug": "wiley-corcoran-1570471",
        "full_name": "Wiley Corcoran",
        "canonical_url": "https://lendb.ai/lo/wiley-corcoran-1570471",
        "json_url": "https://lendb.ai/lo/wiley-corcoran-1570471.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AZ",
          "CA",
          "ID",
          "IL",
          "IN",
          "KY",
          "MO",
          "MS",
          "NV",
          "OR",
          "RI",
          "TN",
          "TX",
          "UT",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": 15,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/sandiego/wiley-corcoran-332-chwc.html"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "8 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/wiley-corcoran-1570471"
    },
    {
      "rank": 19,
      "score": 44.8,
      "loan_officer": {
        "nmls_id": 134294,
        "slug": "roy-nunis-134294",
        "full_name": "Todd Nunis",
        "canonical_url": "https://lendb.ai/lo/roy-nunis-134294",
        "json_url": "https://lendb.ai/lo/roy-nunis-134294.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Colleyville",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "MA",
          "MD",
          "MI",
          "MN",
          "MO",
          "MS",
          "NC",
          "NE",
          "NM",
          "NV",
          "OK",
          "PA",
          "SC",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA",
          "WI",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/tx/colleyville/todd-nunis-957-chrn.html"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "14 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/roy-nunis-134294"
    },
    {
      "rank": 20,
      "score": 44.8,
      "loan_officer": {
        "nmls_id": 260618,
        "slug": "hope-orton-260618",
        "full_name": "Hope Orton",
        "canonical_url": "https://lendb.ai/lo/hope-orton-260618",
        "json_url": "https://lendb.ai/lo/hope-orton-260618.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465"
        },
        "branch": {
          "city": "St. George",
          "state": "UT"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "NM",
          "NV",
          "OR",
          "TX",
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/hope-orton/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "4 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/hope-orton-260618"
    },
    {
      "rank": 21,
      "score": 44.3,
      "loan_officer": {
        "nmls_id": 80226,
        "slug": "karen-nielson-80226",
        "full_name": "Karen Nielson",
        "canonical_url": "https://lendb.ai/lo/karen-nielson-80226",
        "json_url": "https://lendb.ai/lo/karen-nielson-80226.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Logan",
          "state": "UT"
        },
        "licensed_states": [
          "FL",
          "ID",
          "ND",
          "UT",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ut/logan/karen-nielson-118-tgkn.html"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "3 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/karen-nielson-80226"
    },
    {
      "rank": 22,
      "score": 44.3,
      "loan_officer": {
        "nmls_id": 1433134,
        "slug": "jeffrey-bryant-1433134",
        "full_name": "Jeffrey Bryant",
        "canonical_url": "https://lendb.ai/lo/jeffrey-bryant-1433134",
        "json_url": "https://lendb.ai/lo/jeffrey-bryant-1433134.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "ID",
          "MT",
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/jeffrey-bryant-1433134"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jeffrey-bryant-1433134"
    },
    {
      "rank": 23,
      "score": 43.3,
      "loan_officer": {
        "nmls_id": 11431,
        "slug": "brett-mills-11431",
        "full_name": "Brett Mills",
        "canonical_url": "https://lendb.ai/lo/brett-mills-11431",
        "json_url": "https://lendb.ai/lo/brett-mills-11431.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Clearfield",
          "state": "UT"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CO",
          "ID",
          "NV",
          "UT",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ut/clearfield/brett-mills-463-hpbmil.html"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "Branch in Utah",
        "1 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/brett-mills-11431"
    },
    {
      "rank": 24,
      "score": 43.3,
      "loan_officer": {
        "nmls_id": 215193,
        "slug": "amy-lyn-blauser-215193",
        "full_name": "Amy Lyn Blauser",
        "canonical_url": "https://lendb.ai/lo/amy-lyn-blauser-215193",
        "json_url": "https://lendb.ai/lo/amy-lyn-blauser-215193.json",
        "lender": {
          "nmls_id": 181106,
          "name": "Barrett Financial Group",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106"
        },
        "branch": {
          "city": "Chandler",
          "state": "AZ"
        },
        "licensed_states": [
          "AZ",
          "ID",
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 11,
        "years_experience": null,
        "lender_profile_url": "https://www.barrettfinancial.com/amy-lyn-blauser"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "11 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/amy-lyn-blauser-215193"
    },
    {
      "rank": 25,
      "score": 43,
      "loan_officer": {
        "nmls_id": 1639594,
        "slug": "courtney-velvin-1639594",
        "full_name": "Courtney Velvin",
        "canonical_url": "https://lendb.ai/lo/courtney-velvin-1639594",
        "json_url": "https://lendb.ai/lo/courtney-velvin-1639594.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Greenwood Village",
          "state": "CO"
        },
        "licensed_states": [
          "CA",
          "CO",
          "KS",
          "NE",
          "UT",
          "VA",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/co/greenwoodvillage/courtney-velvin-806-chcgi.html"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in UT (listed on lender page, verified 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/courtney-velvin-1639594"
    }
  ]
}